J IS FOR JUDGMENT

"J" is for Jaffe: Wendell Jaffe, dead these past five years. Or so it seemed until his former insurance agent spotted him in the bar of a dusty little resort halfway between Cabo San Lucas and La Paz.

"In truth, the facts about Wendell Jaffe had nothing to do with my family history, but murder is seldom tidy and no one ever said revelations operate in a straight line. It was my investigation into the dead man's past that triggered the inquiry into my own, and in the end the two stories became difficult to separate."

Five years ago, when Jaffe's thirty-five-foot Fuji ketch was found drifting off the Baja coast, it seemed a sure thing he'd gone overboard. The note he left behind admitted he was flat broke, his business bankrupt, his real estate gambit nothing but a huge Ponzi scheme about to collapse, with criminal indictment certain to follow. When the authorities soon after descended on his banks and his books, there was nothing left: Jaffe had stripped the lot.

"Given my insatiable curiosity and my natural inclination to poke my nose in where it doesn't belong, it was odd to realize how little attention I'd paid to my own past. I'd simply accepted what I was told, constructing my personal mythology on the flimsiest of facts."

But Jaffe wasn't quite without assets. There was the $500,000 life insurance policy made out to his wife and underwritten by California Fidelity. With no corpse to prove death, however, the insurance company was in no hurry to pay the claim. Dana Jaffe had to wait out the statutory five years until her missing husband could be declared legally dead. Just two months before Wendell Jaffe was sighted in that dustyresort bar, California Fidelity finally paid in full. Now they wanted the truth. And they were willing to hire Kinsey Millhone to dig it up.