Final Account

  Rothwell gazed out of the window at the sea and the mountainside in silence for a moment. “Yes. It was him or me. I beat him to it, that’s all. Someone had to die violently, someone who could pass for me under certain circumstances. We looked enough alike.”

  “Without a face, you mean?”

  “I … I didn’t look … in the garage … I couldn’t.”

  “I’ll bet you couldn’t. Go on.”

  “We were about the same age and build, same hair colour. I knew he’d had his appendix out. I even knew his blood group was ‘O,’ the same as mine.”

  “How did you know that?”

  “He told me. We were talking once about blood tainted by the HIV virus. He wondered if he had a greater chance of catching it from a transfusion because he shared his blood group with over forty per cent of the male population.”

  “What did you do once you had the idea of passing him off as you?”

  “There was this man we’d both met in the Eagle a couple of times, down there for the Ed O’Donnell Band on a Sunday lunch-time, and he’d boasted about being a mercenary and doing anything for money. Arthur Jameson was his name. He was a walking mass of contradictions. He loved animals and nature, but he liked hunting and duck-shooting, and he didn’t seem to give a damn for human life. I found him fascinating. Fascinating and a little frightening.

  “It was perfect. Daniel knew him, too, of course, and he told me that Jameson had even approached him for some legal help once, shortly after we met. I thought if you found out anything, that would be it. He might have had something in his files. You know how lawyers hoard every scrap of paper. But there was nothing linking Jameson to me. It would only reinforce what you suspected already, that Daniel had had me killed instead of the other way round. You weren’t to know that I was with Daniel the day we met Jameson, or that I’d chatted with Jameson on a number of subsequent occasions.”

  “So you and Clegg were pals? Socialized together, did you?”

  Rothwell paused. A muscle by his jaw twitched. “No. It wasn’t quite like that,” he said quietly. “Daniel had a hold over me, but sometimes he seemed to want to play at being boozing buddies. I didn’t understand it, but at least for a while we could bury our differences and have a good time. The next day it would usually be back to cold formality. At bottom, Daniel was a terrible snob. Been to Cambridge, you know.”

  “How much did you pay Jameson?”

  “Fifty thousand pounds and a plane ticket to Rio. I know it’s a lot, but I thought the more I paid him the more likely he’d be to disappear for good with it and not get caught.”

  “First mistake.”

  “How did it happen?”

  Banks told him about the wadding and about Jameson’s attitude to the world beyond Calais. Rothwell laughed, then stared at the sea again. “I knew it was a risk,” he said. “I suppose I should have known, the way he used to go on about the Irish and the Frogs sometimes. But if you have a dream you have to take risks for it, pay a price, don’t you?”

  “You needn’t try to justify your actions to me,” said Banks, finally feeling steady and cool enough to light a cigarette. He offered one to Rothwell, who accepted. “I was the one left to clean up your mess. And Jameson killed one policeman and seriously wounded another trying to escape.” The fan drew their smoke up to it, then pushed it towards the windows.

  “I’m sorry.”

  “I’ll bet you are.”

  “It wasn’t my fault, what Jameson did, was it? You can’t blame me.”

  “Can’t I? Let’s get back to your relationship with Daniel Clegg. How did you get involved?”

  “We met in the George Hotel, on Great George Street. It was about four years ago. A year or so after I left Hatchard and Pratt, anyway. Expenses were high, what with renovations to Arkbeck and everything else, and business wasn’t exactly booming, though I wasn’t doing too badly. They have jazz at the George on Thursdays, and as I was in Leeds on business, I thought I’d drop by rather than watch television in the hotel room. It turns out we were both jazz fans. We just got talking, that’s all.

  “I didn’t tell him very much at first, except that I was a freelance financial consultant. He seemed interested. Anyway, we exchanged business cards and he put a bit of work my way, off-shore banking, that sort of thing. Turns out some of it was a bit shady, though I wasn’t aware at the time—not that I mightn’t have done it, anyway, mind you—and he brought that up later, in conversation.”

  “He put pressure on you?”

  “Oh, yes.” Rothwell paused and looked Banks in the eye. “A smooth blackmailer, was Danny-boy. I suppose you know about my bit of bad luck at Hatchard and Pratt’s, don’t you?”

  “Yes.”

  “That was five years ago. We’d just moved into Arkbeck then and we couldn’t really afford it. Not that the mortgage itself was so high, but the place had been neglected for so long. There was so much needed doing, and I’m no DIY expert. But Mary wanted to live there, so live there we did. The upshot was that I had to pad the expenses a little. If I hadn’t been married to the boss’s daughter, and if Laurence Pratt hadn’t been a good friend, things could have gone very badly for me at the firm then. As it was, after I left I didn’t have a lot of work at first, and Mary … well, that’s another story. Let’s just say she doesn’t have a forgiving nature. One night, in my cups, I hinted to Daniel about what had happened, how I had parted company with Hatchard and Pratt.

  “Anyway, later, Daniel used what he knew about me as leverage to get me involved when his old college friend Martin Churchill first made enquiries about rearranging his finances. That was a little over three years back. See, he knew he couldn’t handle the task by himself, that he needed my expertise. He told me he could still report me to the board, that it wasn’t too late. Well, maybe they would have listened to him, and maybe they wouldn’t. Who knows now? Quite frankly, I didn’t care. I already knew a bit about money-laundering, and it looked to me like a licence to print money. Why wouldn’t I want in? I think Daniel just enjoyed manipulating people, having power over them, so I didn’t spoil his illusion. But he really wasn’t terribly bright, wasn’t Danny-boy, despite Cambridge.”

  “A bit like Frankenstein and the monster, isn’t it?”

  Rothwell smiled. “Yes, perhaps. And I suppose you’d have to say that the monster far outstripped his creator, though you could hardly say the good doctor himself was without sin.”

  “How did you arrange it all? The murder, the escape?”

  Rothwell emptied his tin, put it on the table and leaned back. The chair creaked. Outside, gulls cried as they circled the harbour looking for fish. “Another Grolsch?” he asked.

  There was still an inch left in the bottle. “No,” said Banks. “Not yet.”

  Rothwell sighed. “You have to go back about eighteen months to understand, to when I first started using the Robert Calvert identity. Daniel and I were doing fine laundering Churchill’s money, and he allowed us a decent percentage for doing so. I was getting rich quick. I suppose I should have been happy, but I wasn’t. I don’t know exactly when I first became aware of it, but life just seemed to have lost its savour, its sweetness. Things started to oppress me. I felt like I was shrivelling up inside, dying, old before my time. Call it mid-life crisis, I suppose, but I couldn’t see the point of all that bloody money.

  “All Mary wanted was her bridge club, more renovations, additions to the house, jewellery, expensive holidays. Christ, I should have known better than to marry the boss’s daughter, even if I did get her pregnant. One simple mistake, that and my own bloody weakness. What was it the philosopher said about the erect penis knowing no conscience? That may be so, but it certainly understands penitence, regret, remorse. One bloody miserable, uncomfortable screw in the back of an Escort halfway up Crow Scar set me on a course straight to hell. I’m not exaggerating. Twenty-one years. After that long, my wife hated me, my children hated me, and I was beginning to hate myself.”

&
nbsp; Banks noticed that Rothwell had picked up the empty Pepsi tin and started to squeeze until it buckled in his grip.

  “Then I realized I was handling millions of pounds—literally, millions—and that my job was essentially to clean it and hide it ready for future use. It wasn’t difficult to find a few hiding places of my own. Small amounts at first, then, when no-one seemed to miss it, more and more. Shell companies, numbered accounts, dummy corporations, property. I liked what I was doing. The manipulation of large sums of money intrigued me and excited me like nothing else, or almost nothing else. Just for the sake of it, much of the time. Like art for art’s sake.

  “I began to spend more time away from home on ‘business.’ Nobody cared one way or another. They never asked me where I’d been. They only asked for more money for a new kitchen or a sun-porch or a bloody gazebo. When I was home, I walked around like a zombie—the dull, boring accountant, I suppose—and mostly kept to my office or nipped out to the pub for a smoke and a jar occasionally. I had plenty of time to look back on my life, and though I didn’t like a lot of what I saw, I remembered I hadn’t always been so bloody bored or boring. I used to go dancing, believe it or not. I used to like a flutter on the horses now and then. I had friends. Once in a while, I liked to have too much to drink with the lads and stagger home singing, happy as a lark. That was before life came to resemble an accounts ledger—debits and credits, profit and loss, with far too much on the loss side.” He sighed. “Are you sure you wouldn’t like another beer?”

  “Go on, then,” Banks said. His bottle was empty now.

  Rothwell brought back a Pepsi for himself and another Grolsch for Banks. His glasses had slipped down over the bridge of his nose and he pushed them back.

  “So I invented Robert Calvert,” Rothwell said after a sip of Pepsi.

  “Where did you get the name?”

  “Picked it from a magazine I was reading at the time. With a pin. The Economist, I believe.”

  “Go on.”

  “I rented the flat, bought new clothes, more casual. God, you’ve no idea how strange it felt at first. Good, but strange. There were moments when I really did believe I was going mad, turning into a split personality. It became a kind of compulsion, an addiction, like smoking. I’d go to the bookie’s and put bets on, spend a day at the races, go listen to trad jazz in smoky pubs—the Adelphi, the George, the Duck and Drake—something I hadn’t done since my early twenties. I’d go around in jeans and sweatshirts. And nobody back at Arkbeck Farm ever asked where I’d been, what I’d been doing, as long I turned up every now and then in my business suit and the money kept coming in for a new freezer, a first edition Brontë, a Christmas trip to Hawaii. After a while I realized I wasn’t going mad, I was just becoming myself, returning to the way I was before I let life grind me down.

  “And, sure enough, the money kept coming in. I had tapped into an endless supply, or so I thought. So I played the family role part of the time, and I started exploring my real self as Robert Calvert. I had no idea where it would lead, not then. I was just trying out ways of escape. I told Daniel Clegg one night when we’d had a few, and he thought it was a wild idea. I had to tell someone and I couldn’t tell my family or Pratt or anyone local, so why not tell my blackmailer, my confidant? He helped me get a bank account and credit card as Calvert, which he thought gave him an even stronger hold over me. He could always claim he’d been deceived, you see.”

  “What about the escape?”

  “You’re jumping ahead a bit, but as I’d already created Robert Calvert successfully enough, it wasn’t very difficult to go on from there and create a third identity: David Norcliffe. As you no doubt know, seeing as you’re here. Rothwell was dead, and I couldn’t go as Calvert. I had to leave him behind; that was part of the plan. So I shuffled more money into various bank accounts in various places over a period of several weeks. After all, that’s what I do best. I’ve laundered and hidden millions for Churchill and his wife.”

  “How much for yourself?”

  “Three or four million,” he said with a shrug. “I don’t know exactly. Enough, anyway, to last us our lifetime. And there was plenty left in Eastvale for my family. They’re well provided for in the will and by the life insurance. I made sure of that. Believe me, they’ll be better off without me.”

  “What about Daniel Clegg? What about Pamela Jeffreys?”

  “Pamela? What about her?”

  Banks told him.

  He put his head in his hands. “Oh, my God,” he said. “I would never have hurt Pamela … It wasn’t meant to be like that.”

  “How did you meet her?”

  Rothwell sipped some more Pepsi and rubbed the back of his hand across his brow. “I told you the Calvert thing felt very strange at first. Mostly, I just used to walk around Leeds in my jeans and sweatshirt. I’d drop in at a pub now and then and enjoy being someone else. Occasionally, I got chatting to people, the way you do in pubs. I’ll never forget how frightening and how exciting it was the first time someone asked me my name and I said ‘Robert Calvert.’ I knew it was still me—you have to understand that— we’re not really talking about a split personality here. I was Keith Rothwell, all right, just playing a part, or trying to find himself, perhaps. It gave me an exhilarating sense of freedom.

  “Anyway, as I said, I used to drop in at pubs now and then, mostly in the city centre or up in Headingley, near the flat. One night I saw Pamela in The Boulevard—you know, the tarted-up Jubilee Hotel on The Headrow. It seemed a likely place to meet women. They stay open till midnight on weekends and they’ve got a small dance-floor. Pamela was with some friends. They’d been doing something at the Town Hall, a Handel oratorio, or something like that. Anyway, something happened, some spark. We caught one another’s eye.

  “She wasn’t with anyone in particular. I mean, she didn’t seem to have a boyfriend with her. The next time she was at the bar, I made sure I got there, too, next to her, and we got chatting. I wasn’t a great fan of classical music, but Pamela’s a down-to-earth sort of person, not a highbrow snob or anything. I asked her to dance. She said yes. We just got on, that’s all. We slept together now and then, but both of us knew it was just a casual relationship really. I don’t mean to denigrate it by saying that. We had a wonderful time. I was astounded she fancied me. Flattered. It was the first time in my entire marriage that I’d been with another woman, and the hell of it was that I didn’t feel guilty at all. She was fun to be with, and we had a great time, but we weren’t in love.”

  “What came between you?”

  “What? Well, we stayed friends, really. At least, I like to think we did. There was her work, of course. It’s very demanding and between us we couldn’t always be sure we could make time to get together. And Pamela was more outgoing. She wanted more of a social life. She wanted me to meet her friends, and she wanted to meet mine.”

  “But you didn’t have any?”

  “Exactly. And I didn’t want to get too well known around the place. It was a risk, playing Calvert, always a risk.”

  “Go on. What happened next?”

  “I met Julia.”

  “How?”

  “We met on a bus, would you believe? It had been raining, one of those sudden showers, and I was out walking without an umbrella. So I jumped on a bus into town. Then the rain stopped and the sun came out. I’d been looking at her out of the corner of my eye. She was so beautiful, like a model, such delicate, fragile, sculpted features. I imagined she was probably stuck-up and wouldn’t talk to the likes of me. Anyway, she left her umbrella. I saw it, grabbed it, and dashed after her. When I caught her up she seemed startled at first, then I gave it to her and she blushed. She seemed flustered, so I asked her if she wanted to go for a coffee. She said yes. She was very shy. It was hard to get her talking at first, but slowly I found out she was a teacher and she lived in Adel and she adored Greek history and literature.

  “Do you believe in love at first sight, Mr Banks? Do you? Because t
hat’s what this is all about, really. It’s not just about money. It’s not just about leaving my old life behind and seeking novelty. I fell in love with Julia the moment I saw her, and that’s the truth. It might sound foolish and sentimental to you, but I have never in my life felt that way before. Bells ringing, earth moving, all the clichés. And it’s mutual. She’s everything I’ve ever wanted. When I met Julia, nothing else mattered. I knew we had to get away, find our Eden, if you like, our paradise. I had to get a new life, a new identity. Everything was in such a mess, falling apart. No-one was supposed to get hurt.”

  “Except Daniel Clegg.”

  Rothwell banged on his chair arm with his fist. “I told you! That wasn’t my fault. I had to appear to have been violently murdered. By Daniel himself, or by someone he’d hired. And that’s exactly the way it would have been, too, if I hadn’t been tipped off and made other plans. But Julia knew nothing of that. She’s a complete innocent. She knows nothing of the things we’ve just been talking about.”

  “So you invited Clegg over to the Calvert flat to get his fingerprints there? Am I right?”

  “Yes. On the Monday. I said I had some business to discuss that couldn’t wait and he came over. I showed him around, had him touch things. I’d cleaned the place thoroughly. Daniel was a touchy-feely kind of person. Anything he saw, he’d pick it up and have a look: compact discs, wallet, credit cards in Calvert’s name, coins, books, you name it. He’d even let his fingers rest on surfaces as if he were claiming them or something. He handled just about everything in the place. I was much more careful to make mine blurred.” Rothwell laughed quietly. “He really was a fool, you know. Every time I got him to help me with something illegal, like setting up the Calvert bank account and credit card, for example, he thought he was getting more power over me.”

  “So you must have known we’d find out about the Calvert identity, about Pamela, about Clegg and the money-laundering?”

  “Of course. As I said earlier, I had to leave Calvert behind. It was part of my plan that you should find out about him. Another dead end. But please believe me, Pamela wasn’t meant to be a part of it, except maybe to confirm the Calvert identity. I mean, I thought she might get in touch with the police if she saw my picture in the papers. Or someone else might, someone who thought they recognized me. It was meant to confuse you, that’s all. I left a careful trail for you. I thought it led the wrong way. I knew the police would be able to unlock and interpret the data on my computer eventually, that they would realize I’d been laundering money for Martin Churchill. I also left a letter for Daniel Clegg in a locked file. I knew you’d get at that eventually, too.”