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Chapter 1

Charity Atkins drove into the outskirts of Conard City and suddenly felt sickeningly out of her depth. It was a grandiose name for a small town, she realized, and although she was a good arson investigator, she’d only worked in industrial areas and other businesses in large cities, not on ranches out in the boondocks.

It didn’t help to remind herself that location didn’t matter, that figuring out whether the arson was attempted fraud remained the same no matter where it occurred. For the first time, though, she knew why Todd had claimed he couldn’t handle this job and had recommended Charity take his place. All the stuff he’d said about how she was such a great investigator? She’d thought it was exaggerated at the time, but now she knew why. Separating Todd from his metropolitan comforts might have been too much to ask. She snorted.

Two minutes later she realized she couldn’t have been more inappropriately dressed. The casual clothes of people she passed were mostly well-worn versions of Western style. Wearing a gray business suit and high heels was going to make her stick out like a sore thumb. Of course, given the size of this place she’d probably stick out anyway.

She felt like an alien, but that was something she was fairly used to. Always being on the road kind of created that feeling.

She reminded herself that arson was arson no matter where it occurred. Still, when she’d been told to come to Conard City, she’d envisioned a much larger place. Flying in on a four-seater Cessna hadn’t concerned her, and she hadn’t really thought about it when she climbed into a rental car that wasn’t new enough to have a GPS mapping console.

Only now, driving down Front Street toward what she hoped would be the fire station, did she get a clear picture. The houses were all older Victorian and Craftsman styles commingling contentedly. The leafy trees looked as old as the houses, and for a main street this one struck her as awfully narrow, narrow enough that parking was allowed on only one side. She’d been in some older neighborhoods in Atlanta like this, but if this was the whole town...oh, boy.

She was a city girl in rural territory, and immediately she began imagining all kinds of problems with the locals who’d probably resent the heck out of her. She had traveled the world throughout her entire life and knew that outsiders were rarely welcomed. Looking into a big industrial fire often only drew flak from the owners. In a place this small she might draw flak from the entire community. But she always drew flak, some of it potentially dangerous. She’d been threatened more than once.

She shook herself and continued the slow drive. She’d manage. She wasn’t here to be liked, merely to protect her insurance company against fraud.

The firehouse was near the town square, she’d been told at the airport. Couldn’t miss it. Well, she hadn’t passed anything resembling a town square yet so...

Just then sirens penetrated her thoughts. She pulled over immediately to the curb, and soon a fire engine came racing by. Behind it was a red SUV with flashing white-and-red lights. She hesitated, then figured that in a burg this size it was unlikely the chief would still be at the station. He’d probably be out helping.

So she pulled an illegal U-turn and followed the truck. Might as well see how this department operated in action. That could sometimes be useful to her investigation. An ambulance, horn blaring, raced past her, forcing her to the curb again.

She kept to the speed limit, unlike the trucks, but soon reached them. They had pulled over on a side street, already being blocked by police to traffic. Two men in yellow firefighting gear were heading indoors as flames leaped out one lower story window. There must be a potential victim inside, as they didn’t wait for the hoses. Others were hooking up hoses to the truck and a nearby hydrant. Not bad yet. It was clear where the fire was, and apparently the window had been open. She studied it with a practiced eye.

One guy stood out, mainly because of his white helmet, the word Chief stenciled in black on it. He was clearly directing operations, his arms and hands moving as he pointed where he wanted things.

She stopped against the curb outside the cordon. After a minute, she climbed out and joined concerned neighbors across the street who had either been ordered out of nearby houses or were gathering out of interest. “She’s got a baby!” one of the onlookers shouted, trying to be heard over the racket of the pump truck, other vehicles and raised voices. “Upstairs, bedroom on the right.”

The chief turned, gesturing that he’d heard. He pulled up his flash hood, donned his face mask and, moments later, he ran into the house, to rooms that had to be right above where flames spewed out the open ground floor window. He went alone, seeming to ignore the two-in, two-out rule. Another firefighter saw and raced after him.

Yet another two stood near the truck, ready to run in if any firefighter ran into trouble. The two out.

Charity felt her heart speed up. She didn’t know these people, but she hated fires, hated what they did, and was intimately acquainted with the dangers for those who fought them. Her career of investigating arson wasn’t just a job, it was a mission. Preventing fraud was one thing. Stopping people who killed and hurt others was even more important to her, though it wasn’t often she had an opportunity to do that.

“Who are you?” one of the onlookers asked her. She glanced over and saw a man of about seventy, thin and a bit bent.

“I’m here to see the chief,” she answered quietly. “Business.”

“Oh, no!” someone cried.

Charity looked at the house again and saw flames had reached the second story. The beehive of firefighters began to swarm even more rapidly. A hose doused the outside wall of the house. One was aimed right inside the lower floor window. The roof, too, was getting its share of water. Another truck pulled up and in seconds was fanning water over the neighboring roof and side wall to prevent the fire from spreading. That must be a constant danger with the houses so close.

She knew all the dangers. Fire spread fast enough, but when combined with the gases it created, it could turn into an instant conflagration at the point of flashover. That was why windows were giving way to axes even though the fresh air would fuel the fire. It would also dilute the explosive gases and flammable black smoke that was roiling out the front door.

She’d lost track of how many firefighters were now in the house. Her heart was slamming like a trip-hammer.

Then one came out of the house carrying a woman. His buddy followed close on his heels. Others immediately went to help him, quickly putting her on a stretcher and turning her over to EMTs. Two more firefighters ran in to battle the blaze, but already the flames were shrinking from the side window. The smoke coming out the front door was turning gray. The water was doing its work.

Where was the chief?

Almost in answer to her silent question, he burst out through the front door, carrying a tightly wrapped bundle. Ignoring everyone else, he threw off his respirator mask and helmet, then knelt on the grass, unwrapping a baby.

Charity’s heart nearly stopped. The infant looked pale, almost blue. She raised her fingers to her lips, trying to hold in the anxiety. Not a baby. Please, not a baby.

“Oxygen,” the chief shouted. He bent close to the child, listening for breath, then feeling for a pulse. An EMT rushed over and joined him. The infant’s color improved within seconds after the oxygen mask was placed over its face. The child was swiftly moved to the ambulance.

Relief nearly caused Charity to sag. Leaving the spectators, she returned to her car, watching the scene unfold. She’d seen this many times. Too many times. She’d even trained with firefighters and had volunteered so she could understand.

Now she understood too much.

* * *

An hour later, the scene had quieted. While firemen, including the chief, moved through the house, axing open walls to make sure they concealed no fire, others rolled up the hoses. The house still stood, but it was a mess. The outside wall was covered with soot, two window frames charred black. Inside, everything would be ruined by smoke, ash and water. She wondered how much these poor people would be able to salvage.

Pulling out her cell phone, she went to her company’s site, logged in and tapped in the address. Her company covered that house. She scanned the firefighters and realized the chief was once again outside, occasionally speaking to his crew. The small crowd of onlookers still lingered, talking to each other. Already she heard plans to help the family. Good people.

No one hindered her passage, and she reached the chief’s side. He was preoccupied and didn’t immediately notice her. He was still talking to the other firefighters, making sure everything had been taken care of. She was certain he had a running head count going in his mind. She didn’t want to interrupt it.

His face was smudged with soot. Apparently he had wiped it a few times, probably to get rid of sweat. The gear he wore was heavy and hot, at least fifty pounds as he was dressed now, more in full paraphernalia. She had worn it and hated it even though her life depended on it.

At last a firefighter came out of the house. “Clear,” he called. The second truck, which had been hosing the adjacent structure, was already pulling away. The fire rescue ambulance had departed a while ago.

It was then the chief noticed her. His gray eyes slid over her from top to toe. “Who are you?” he asked bluntly.

“Charity Atkins, Chief. We had a meeting.”

He shook his head a little. “Wayne Camden, and the meeting has to wait a little while.”

“Of course.” She didn’t even try for a smile. She held out a card. He looked at it, pulling off one of his huge gloves to take it.

“What am I supposed to do with this?”

“Be sure the family gets it. My company insures this property, too. What happened?”

He had fully placed her now, his mind leaping from the all-important mess in front of him to her purpose in being here. “You’re the arson investigator about the Buell fire.”

“Yes.”

“Well, this wasn’t arson. Looks as if a grease fire started on the stove and was mishandled. The woman’s burned. Her husband’s out of town. You’ll have to wait to get your answers.”

“I don’t want answers. I just want them to know I’ll have an adjuster out here tomorrow if possible. We’ll cover alternate accommodations.”

He nodded. “Fair enough. I need to finish up here. You can wait for me at the station, unless there’s something else you want to do.”

“I’ll see you there.” She returned to her car and called her company to give the family a head start on their coverage.

* * *

Randy Dinkum loved fires. He always had, even though it was a relief to open that damned turnout coat and feel cool air on his skin again. As he closed the last panel on the fire truck and got ready to board for the ride back to the station, he looked one more time at the house. Tragic now, but no one had died. Poor woman was a mess, though. He might love fire, but he hated it, too.

He wanted to pat his own back for how well they’d handled the whole thing. It hadn’t spread to neighboring houses, although that was always a huge risk in town, what with all these old buildings so close together. Dried out by the years, their frames and siding were practically tinder.

Kind of surprising they hadn’t lost the whole house. The interior was wasted, but a contractor should be able to fix that.

“Great job,” said the chief, clapping his shoulder briefly before moving on to the next fireman.

Randy beamed, then pulled himself up onto the truck. A few seconds later, Jeff Corner hopped up beside him. “That was a beaut,” Jeff said.

“It sure was,” Randy agreed. As the truck started moving, he saw the stranger in the business suit drive away. “Who was that woman talking to the chief?”

“Dunno. Heard him tell her to meet him at the station.”

“Girlfriend?” Randy suggested. They both laughed. “That’ll drive Donna crazy.”

“You think he moves in those kinds of circles? That was a fancy suit.”

“Wish we saw more of that around here. Damn, I want a cigarette.”

Jeff laughed again. “You know what the chief thinks of smoking in public.”

“Considering the amount of smoke we breathe on the job, why should he care?”

“Public image,” Jeff said knowingly. “Haven’t you heard? Gotta be a good example for kids.”

The familiar jolting began as they rolled down the street. They weren’t a big fire department and didn’t have the fanciest equipment, so they hung on to the rear of the truck since they all couldn’t fit inside.

Eventually, Jeff and Randy would graduate to inside seats and younger men would stand here. But even hanging on here was better than being a volunteer, those who responded only when needed.

Soon the summer would dry out the grasslands and firefighting would sometimes become a full-time job for them all. Randy liked those times best, not only working to beat back the flames but because firefighters came from everywhere to help out. When they weren’t actually facing the flames it was like a big party. A tired party, but still.

And those were the times he felt best about himself. People treated them all like heroes. He guessed they were, actually. Today they’d saved a woman and a baby.

He hadn’t known about the baby. No one had. “Say, Jeff?”

“Yeah?”

“Why do you think no one knew there was a baby in there until Old Man Kroner shouted it out? Was it, like, a secret, or something?”

“I dunno,” Jeff answered, leaning as the truck turned into the station. “I thought everyone around here knew everything about everyone.”

“Yeah. Kinda weird.”

“Well, it looked like it was just born. Maybe the grapevine didn’t reach us yet.”

“Maybe.” Randy pondered that as the truck slowed to a halt. One of the advantages of being in such a small town was you knew who might be in a dwelling when you responded. People didn’t get easily overlooked. Which made the Buell arson even weirder. Someone who’d burn a house full of people was scary.

It was troubling, something Randy hoped would be solved—and soon.

* * *

Charity walked into the firehouse through a side door just as the final truck rolled up and joined two others in the bay. A young woman with red hair, wearing a comfortable dark blue station uniform, sat at the desk. Those uniforms were designed not to impede movement, as they were worn under the turnout suits, and designed not to ignite easily. Over her breast, a shield was embroidered, her last name below it.

The woman sat facing a wide plate-glass window that looked into the truck bay, surrounded by consoles and equipment. Her eyes widened as she took in Charity’s apparel.

Definitely going to have to change into native garb, Charity decided. Soon. “Hi, I’m Charity Atkins, arson investigator for the Buell fire. The chief has an appointment with me and he told me to wait here for him.” She wondered if she imagined the flash of instant dislike on the woman’s face, then brushed it aside. A lot of people, including officials, didn’t like arson investigators. Or maybe it was the suit.

The woman stood and offered her hand. “Donna Willem, fire inspector and admin, former smoke eater. Have a seat. Help yourself to coffee.”

Charity looked at the dregs in the pot and decided to do without. She took the simple metal chair and summoned a smile for Donna. “Thanks. Why former?”

Donna patted her hip. “I took a fall during a barn fire. Can’t climb ladders anymore, and frankly carrying the equipment got painful, too.” She sat. “We’re not so busy that I don’t get bored.” She held up an e-reader. “But I do read lots of good books.”

Charity laughed. “There are advantages to most things. I volunteered with a fire department for a while.”

“Yeah?” Interest sparked in Donna’s gaze. “Why’d you quit?”

“It was a temporary thing from the start. Sort of job training so I’d be a better arson investigator.”

“Ah.” Donna studied her as if she didn’t much care for Charity. It had to be the expensive suit. “Arson infuriates me.”

“Me, too. Do you see much of it?”

“Kids sometimes get careless. But in the past year or so...” She shrugged. “Sometimes things come in bunches. Chief says three fires have been arson, including the last one at the Buell Ranch. Say, can you tell me something?”

Charity tensed. Her investigations had to remain private. “If I can.”

“Edna Buell’s a friend of mine. I’m worried about her and her family. Does your insurance cover arson? I’ve always wondered.”

Well, that was easy. “Unless the arsonist is the owner of the property or his agent, yes.”

“Good.” Donna swiveled her chair a bit as if trying to loosen up some back muscles. “Must be difficult to figure out sometimes.”

“It’s always difficult.” Even more difficult when you had some guy with loads of money breathing down your neck and you suspected he’d gotten tired of owning that building. Or couldn’t pay the taxes or upkeep. Some guy who could afford to pay some slime to start the fire. But you had to prove it.

“You gonna be here long?”

Charity shrugged. “Only as long as it takes me to clear the Buells. A few days, I hope.”

“Bet you work with cops, too?” Donna asked.

“When it’s needed.”

“Must be an interesting job.”

Charity nodded, watching through the plate-glass window as the next important tasks were carried out. No rest for the weary. Equipment had to be cleaned, checked out and stowed. Then the truck would get babied. No relaxation for these men for hours yet to come. By the time they hit the showers, they’d be dead on their feet, probably.

Fighting a fire took a lot out of person, she’d learned. Not just the weight of all their equipment, but the heat inside the protective gear, the inevitable adrenaline rush, a lot of hard labor... Fatiguing. This hadn’t been a terrible fire—they’d only battled it for an hour or so—but they were guzzling water from bottles as if they’d spent a week in the Sahara.

A door to one side of Donna opened and Chief Wayne Camden stepped in. He was swigging from a water bottle, too, and his hair was damp. He must have just showered, because the soot was gone.

He wore the simple blue uniform of this department, with black work boots on his feet. Apparently he didn’t always follow the custom of white shirt for higher-ranking members. For the first time she noted that he was tall, lean and muscular. Staying in shape was important in this job for a variety of reasons, and he apparently knew it. His hair looked almost black, maybe because it was still wet, but his eyes were a silvery gray that reflected some of the blue in his uniform.

“Ms. Atkins,” he said. “Sorry to keep you waiting.”

Charity rose, smiling. “For good reason, I think. You took quite a risk going for that baby.”

He shrugged it off. Of course he’d taken a risk. That was what firefighters did. She felt almost stupid for even saying it. “Come into my office. It’s not the neatest place in the world, but it works.”

She saw what he meant as he ushered her through the narrow door. Files were stacked everywhere, as if the filing cabinets had run out of space. They were neat stacks, but still stacks.

“It’s all on the computer,” he said, gesturing to the machine on his desk. “Eventually the paper goes to the archives.”

“How many years does that take?”

He glanced at her as he motioned her to take a seat, then sank into his own chair on the other side of the desk. Battered leather, it had clearly seen better days, and it creaked beneath his weight. “Seven years,” he answered, then laughed. “You’d be surprised how often the paper is needed.”

“Probably not,” she said, returning his smile. “Bureaucracies.”

“At every level.” He leaned back and the chair creaked some more. “So you want to examine the Buell place.”

She nodded, wishing his gaze was less steady. Something about it made her aware that he was a man. She didn’t want it, didn’t need it, and she wouldn’t be here long anyway. The sting of her last breakup was still fresh. She needed to focus on the task at hand, not this man. “You said it was arson.”

“It most definitely was. You ever walk into a building a day after a fire?”

“Quite often.”

“Then, you know. You can sometimes smell the accelerant. I always thought that was odd, that it can leave behind an odor when it should all burn up. The aromatics should be gone.”

“Aren’t they usually?”

“True. But the stench of kerosene and gasoline cling for a long time. If you use too much and some of it doesn’t burn...” He shrugged one broad shoulder. “Of course there are some you can’t smell.”

She wondered why he was schooling her. She was the arson specialist. She might have gotten annoyed at being patronized, but somehow he didn’t give her that feeling. It was more as though he was trying to shift mental gears and get into the groove on the Buell fire. He drank more water and offered her a bottle from the small fridge beside his desk. She accepted it gratefully. Flying always left her parched.

Suddenly he zoomed in on her and on the subject at hand. He leaned forward, as if he had finally fully switched mental zones. “It was arson, all right. I don’t think the Buells did it, and you can’t smell accelerant in the house—just in the barn. More important, it went up too hot and fast. Who the hell around here would know a different way to start a fire?”

He had her full attention now, too. And now she understood why he’d mentioned aromatics, the things you could smell. He hadn’t been schooling her. He’d been working up to something.

“Do you think the Buells did it?” he asked her.

“I haven’t seen the site.”

He shook his head almost irritably. “Don’t fence with me. You’re the insurance carrier, you know their coverage. Do they stand to gain from this?”

“It’s always possible,” she said truthfully. “Even the minimally insured have been known to set fires in order to get aid. But really, I have to see the extent of the damage and evaluate some other things before I can say.” And if that made him feel protective of people he knew, too bad.

“Black bones pointing to the sky and some dead livestock,” he said shortly. “There isn’t a whole lot left except the herds out in pasture. Amazingly, we didn’t get a grass fire. It was hot, it was too fast and the Buells were damned smart to have alarms. Now Fred Buell is out there every day trying to tend his cattle from the back of a truck with the help of neighbors. He didn’t gain a thing that I can see except a whole pack of new problems.”

She nodded, willing to accept his judgment for now. Her own would come later.

He stood up and went to stare out his own plate-glass window at the men who were finishing the cleanup. “We got us a firebug, Ms. Atkins. Bad and mean. I want him.”

“Your inspector mentioned this was the third arson in a year.”

“Close to. Less than a year, to be specific. The first two were definitely gasoline, but this one is different. If they’re the same perp, then we have a huge problem. He’s getting smarter.” He turned and looked at her. “And more dangerous. The first two didn’t go up like a bomb. We had time to get out there, and the ranchers are pretty good with a hose themselves. This time...” He shook his head, a dark frown on his face. “Are you gonna help me?”

She started. She hadn’t expected this. She had come to assess one situation, not hunt for an arsonist. But something in her quickened, and she felt a touch of his fury.

“I hate arsonists,” she said finally. “Passionately. I’ll do what I can, what my job allows.”

After a moment he said, “Fair enough. You’re an expert. I’m not really. I can recognize arson, can usually tell where the fire started and what caused it. But this is different. I need some expertise around here. I sent for a state investigator, but they’re shorthanded. I’ve covered the points of ignition I could find, but with every passing minute, evidence is disappearing.”

She completely understood and shared his concern. While she had no stake in any of this, she did indeed want to help figure out what had happened and who had done it before this creep managed to kill someone. Still, given her job, there were definite limits on what she could do. She also liked that Wayne Camden cared this much. She’d known some who didn’t.

“All right,” he said. “We’ll go out first thing in the morning. Where are you staying?”

“There’s a motel...”

He shook his head sharply. “You won’t catch any diseases there, but you’ll be right across the street from the truck stop. It’ll be noisy and it’s probably not what you’re used to.”

“I’ll survive,” she answered, but just from the way he’d objected to the idea, she already felt her skin starting to crawl.

He returned to his desk and picked up his phone, dialing a number from memory. “Hank? Wayne. Listen, I got an arson investigator in town for a few days. You wanna do me a favor? She needs a place to stay, and I don’t mean the La-Z-Rest. Yeah, okay.”

When he hung up he said. “Solved. A friend of mine has a furnished house for rent. You can use it, no charge.”

Astonishment filled her. “Why would he do that?”

“Because he used to be a fireman, too. Come on, I’ll show you where it is.”

* * *

She followed his red SUV down narrow tree-lined streets for a few blocks until he pulled up in front of a small house. A man was waiting for them outside, the perfect image of a cowboy except he canted a little, suggesting he had some kind of back trouble.

He smiled and held out his hand. “Hank Jackson.”

“Charity Atkins. It’s so kind of you to do this.”

He shook his head. “Teeny little thing. The place is empty. Empty houses aren’t happy houses. It’s fully furnished, though. Some groceries and you’ll be all set. Let me show you.”

“Tell her about Maude’s,” Wayne Camden said. “I need to get back to the station. Paperwork awaits.” He paused and looked at Charity. “I live just one street over, not that I get home often. Hank here can help you with just about anything, okay?”

“Thanks so much.”

“No problem. Not for me anyway. Should I pick you up around eight in the morning?”

Converted to Eastern Time, she realized, that would be her equivalent of ten. “Or I can come by the station after I get some breakfast.”

“Okay, I’ll see you there.”

He strode to his car, leaving her with Hank Jackson, a man with a weathered face and eyes that crinkled when he smiled.

“So you were a firefighter, too?” she asked.

“A long time ago. Now I’m just a cowboy. Come on in. Make yourself at home.”

* * *

Elsewhere, an arsonist pondered the arrival of the insurance investigator. How much did she know? How much could she figure out? Was she like the state investigator?

That was worrisome. The delay in getting the state guy down here created time between the fire and the investigation, and time made evidence go away, killing it with sun, wind and rain. Longer was better.

If the woman was a threat, the arsonist needed to know. Certainly, the fires had to stop for now. Frustrating, but necessary. There was no way to explain that the fires were meant to be helpful. Watching the investigator became paramount. If she became a threat, she would have to be removed somehow.

But that Buell fire had been something else, far more than the arsonist had expected. So fast, so all-consuming, way beyond the plan. Watching it erupt had been a thing of pure beauty and pure terror. The arsonist had been afraid of it, even at a distance. Way beyond control, not supposed to happen that way. The kind of fire that would draw major attention from every direction. A mistake.

Looking through binoculars, the arsonist had made sure the family escaped, and only then could enjoy the show. Sheets of flame reaching heavenward, whirling in fiery tornadoes, the sparks creating fireworks as the house and barn had collapsed. The biggest fire, short of a wildfire, ever. Two buildings, barn and house. That hadn’t been intentional, but the show... Well, maybe that made it worth it.

A perfectly created work of art. And all of it for a good cause.

But that arson investigator could prove to be a huge headache. Something drastic might need to be done.

With memories of that gorgeous fire still dancing, the arsonist decided the investigator needed to be driven away. Somehow. With any luck, it wouldn’t take much.

But if she nosed around too much, killing her was a possibility.

Playing with Fire

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