"But wouldn't it be prudent to have a lump sum that comes to you automatically on your sixtieth or sixty-fifth birthday?" asked Marvin, as he continued to push at a door that he had no way of knowing was already wide open. "After all, you can never be sure what disaster might lie around the corner."

David knew exactly what disaster lay around the corner, but he still innocently asked, "What sort of figure are you talking about?"

"Well, that would depend on how much you are currently earning," said Marvin.

"A hundred twenty thousand a year," said David, trying to sound casual, as it was almost double his real income. Marvin was obviously impressed, and David remained silent as he carried out some rapid calculations in his head.

"Well," said Marvin eventually, "I'd suggest half a million dollars-as a ballpark figure. After all," he added, quickly running a finger down a page of actuarial tables he had extracted from his aluminium briefcase, "you're only twenty-seven, so the payments would be well within your means. In fact, you might even consider a larger sum if you're confident your income will continue to rise over the next few years."

"It has done so every year for the past seven," said David, this time truthfully.

"What kind of business are you in, my friend?" asked Marvin.

"Stocks and bonds," replied David, not offering any details of the small firm he worked for, or the junior position he held.

Marvin licked his lips again, even though they had told him not to do so on countless refresher courses, especially when going in for the kill.

"So, what amount do you think I should go for?" asked David, continuing to make sure it was always Marvin who took the lead.

"Well, a million is comfortably within your credit range," said Marvin, once again checking his little book of tables. "The monthly payments might seem a bit steep to begin with, but as the years go by, what with inflation and your continual salary increases, you can expect that in time they will become almost insignificant."

"How much would I have to pay each month to end up getting a million?" asked David, attempting to give the impression he might have been hooked.

"Assuming we select your sixtieth birthday for terminating the contract, a little over a thousand dollars a month," said Marvin, trying to make it sound a mere pittance. "And don't forget, sixty percent of it is tax deductible, so in real terms you'll only be paying around fifteen dollars a day, while you end up getting a million, just at the time when you most need it. And by the way, that one thousand is constant, it never goes up. In fact it's inflation-proof." He let out a dreadful shrill laugh.

"But would I still receive the full sum, whatever happens to the market?"

"One million dollars on your sixtieth birthday," confirmed Marvin, "whatever happens, short of the world coming to an end. Even I can't write a policy for that," he said, letting out another shrill laugh. "However, my friend, if unhappily you were to die before your sixtieth birthday-which God forbid-your dependents would receive the full amount immediately."

"I don't have any dependents," said David, trying to look bored.

"There must be someone you care about," said Marvin. "A good-looking guy like you."

"Why don't you leave the forms with me, Mr. Roebuck, and I'll think about it over the weekend? I promise I'll get back to you."

Marvin looked disappointed. He didn't need a refresher course to be told that you're supposed to nail the client to the wall at the first meeting, not let them get away, because that only gave them time to think things over. His lips felt dry.

Pat returned from the evening shift in the early hours of the morning, but David had stayed awake so he could go over what had happened at the meeting with Marvin. Pat was apprehensive and uncertain about the plan. David had always taken care of any problems they had had in the past, especially financial ones, and Pat wasn't sure how it would all work out once David was no longer around to give his advice. Thank God it was David who'd had to deal with Marvin-Pat couldn't even say no to a door-to-door salesman.

"So, what do we do next?" asked Pat.

"Wait."

"But you promised Marvin you'd get back to him."

"I know, but I have absolutely no intention of doing so," said David, placing his arm around Pat's shoulders. "I'd bet a hundred dollars on Marvin phoning me first thing on Monday morning. And don't forget, I still need it to look as if he's the one who's doing the pushing."

As they climbed into bed, Pat felt an attack of asthma coming on, and decided now was not the time to ask David to go over the details again. After all, as David had explained again and again, there would never be any need for Pat to meet Marvin.

Marvin phoned at 8:30 on Monday morning.

"Hoped to catch you before you went off to sell those stocks and bonds," he said. "Have you come to a decision?"

"Yes, I have," said David. "I discussed the whole idea with my mother over the weekend, and she thinks I should go for the million, because five hundred thousand may not turn out to be such a large sum of money by the time I reach sixty."

Marvin was glad that David couldn't see him licking his lips. "Your mother's obviously a shrewd woman," was his only comment.

"Can I leave you to handle all the paperwork?" asked David, trying to sound as if he didn't want to deal with any of the details.

"You bet," said Marvin. "Don't even think about it, my friend. Just leave all that hassle to me. I know you've made the right decision, David. I promise you, you'll never live to regret it."

The following day Marvin phoned again to say that the paperwork had been completed, and all that was now required was for David to have a medical-"routine" was the word he kept repeating. But because of the size of the sum insured, it would have to be with the company's doctor in New York.

David made a fuss about having to travel to New York, adding that perhaps he'd made the wrong decision, but after more pleading from Marvin, mixed with some unctuous persuasion, he finally gave in.

Marvin brought all the forms around to the apartment the following evening after Pat had left for work.

David scribbled his signature on three separate documents between two penciled X's. His final act was to print Pat's name in a little box Marvin had indicated with his stubby finger. "As your sole dependent," the broker explained, "should you pass away before September 1, 2027-God forbid. Are you married to Pat?"

"No, we just live together," replied David.

After a few more "my friend"s and even more "you'll never live to regret it"s, Marvin left the apartment, clutching the forms.

"All you have to do now is keep your nerve," David told Pat once he had confirmed that the paperwork had been completed. "Just remember, no one knows me as well as you do, and once it's all over, you'll collect a million dollars."

When they eventually went to bed that night, Pat desperately wanted to make love to David, but they both accepted it was no longer possible.

The two of them traveled down to New York together the following Monday to keep the appointment David had made with Geneva Life's senior medical consultant. They parted a block away from the insurance company's head office, since they didn't want to run the risk of being seen together. They hugged each other once again, but as they parted David was still worried about whether Pat would be able to go through with it.

A couple of minutes before twelve, he arrived at the doctor's office. A young woman in a long white coat smiled up at him from behind her desk.

"Good morning," he said. "My name is David Kravits. I have an appointment with Dr. Royston."

"Oh, yes, Mr. Kravits," said the nurse. "Dr. Royston is expecting you. Please follow me." She led him down a long, bleak corridor to the last room on the left. A small brass plaque read "Dr. Royston." She knocked, opened the door, and said, "Mr. Kravits, Doctor."

Dr. Royston turned out to be a short, elderly man with only a few strands of hair left on his shiny sunburned head. He wore horn-rimmed glasses, and had a look on his face which suggested that his own life insurance policy might not be far from reaching maturity. He rose from his chair, shook his patient by the hand, and said, "It's for a life insurance policy, if I remember correctly."

"Yes, that's right."

"Shouldn't take us too long, Mr. Kravits. Fairly routine, but the company does like to be sure you're fit and well if they're going to be liable for such a large amount of money. Do have a seat," he said, pointing to the other side of his desk.

"I thought the sum was far too high myself. I would have been happy to settle for half a million, but the broker was very persuasive ..."

"Any serious illness during the past ten years?" the doctor asked, obviously not interested in the broker's views.

"No. The occasional cold, but nothing I'd describe as serious," he replied.

"Good. And in your immediate family, any history of heart attacks, cancer, liver complaints?"

"Not that I'm aware of."

"Father still alive?"

"Very much so."

"And he's fit and well?"

"Jogs every morning, and pumps weights at the local gym on weekends."

"And your mother?"

"Doesn't do either, but I wouldn't be surprised if she outlives him comfortably."

The doctor laughed. "Any of your grandparents still living?"

"All except one. My dad's father died two years ago."

"Do you know the cause of death?"

"He just passed away, I think. At least, that was how the priest described it at his funeral."

"And how old was he?" the doctor asked. "Do you remember?"

"Eighty-one, eighty-two."

"Good," repeated Dr Royston, checking another little box on the form in front of him. "Have you ever suffered from any of these?" he asked, holding out a clipboard. The list began with arthritis and ended eighteen lines later with tuberculosis.

He ran an eye slowly down the long list before replying. "No, none of them," was all he said, not admitting to asthma on this occasion.

"Do you smoke?"

"Never."

"Drink?"

"Socially-I enjoy the occasional glass of wine with dinner, but I never drink spirits."

"Excellent," said the doctor and checked the last of the little boxes. "Now, let's check your height and weight. Come over here, please, Mr. Kravits, and climb onto this scale."

The doctor had to stand on his toes in order to push the wooden marker up until it was flat across his patient's head. "Six feet one inch," he declared, then looked down at the scale and flicked the little weight across until it just balanced. "A hundred and seventy-nine pounds. Not bad." He filled in two more lines of his report. "Perhaps just a little overweight."

"Now I need a urine sample, Mr. Kravits. If you would be kind enough to take this plastic container next door, fill it about halfway up, leave it on the ledge when you've finished, and then come back to me."

The doctor wrote out some more notes while his patient left the room. He returned a few moments later.

"I've left the container on the ledge," was all he said.

"Good. The next thing I need is a blood sample. Could you roll up your right sleeve?" The doctor placed a rubber pad around his right bicep and pumped until the veins stood out clearly. "A tiny prick," he said. "You'll hardly feel a thing." The needle went in, and he turned away as the doctor drew his blood. Dr. Royston cleaned the wound and fixed a small circular Band-Aid over the broken skin. The doctor then bent over and placed a cold stethoscope on different parts of the patient's chest, occasionally asking him to breathe in and out.

"Good," he kept repeating. Finally he said, "That just about wraps it up, Mr. Kravits. You'll need to spend a few minutes down the corridor with Dr. Harvey, so she can take a chest X ray and have some fun with her electric pads, but after that you'll be through, and you can go home to"-he checked his pad-"New Jersey. The company will be in touch in a few days, as soon as we've had the results."

"Thank you, Dr. Royston," he said as he buttoned his shirt. The doctor pressed a buzzer on his desk and the nurse reappeared and led him to another room, with a plaque on the door that read "Dr. Mary Harvey." Dr. Harvey, a smartly dressed middle-aged woman with her gray hair cropped short, was waiting for him. She smiled at the tall, handsome man and asked him to take off his shirt again and to step up onto the platform and stand in front of the X-ray unit.

"Place your arms behind your back and breathe in. Thank you." Next she asked him to lie down on the examining table in the corner of the room. She leaned over his chest, smeared blodges of gel on his skin, and fixed little pads to them. While he stared up at the white ceiling she flicked a switch and concentrated on a tiny television screen on the corner of her desk. Her expression gave nothing away.

After she had removed the gel with a damp cloth, she said, "You can put your shirt back on, Mr. Kravits. You are now free to leave."

Once he was fully dressed, the young man hurried out of the building and down the steps, and ran all the way to the corner where they had parted. They hugged each other again.

"Everything go all right?"

"I think so," he said. "They told me I'd be hearing from them in the next few days, once they've had the results of all their tests."

"Thank God it hasn't been a problem for you."

"I only wish it weren't for you."

"Let's not even think about it," said David, holding tightly on to the one person he loved.

Marvin rang a week later to let David know that Dr. Royston had given him a clean bill of health. All he had toy do now was send the first installment of $1,100 to the insurance company. David mailed a check to Geneva Life the following morning. Thereafter his payments were made by automatic debit on the first day of each month.

Nineteen days after the seventh payment had been cleared, David Kravits died of AIDS.

Pat tried to remember the first thing he was supposed to do once the will had been read. He was to contact a Mr. Levy, David's lawyer, and leave everything in his hands. David had warned him not to become involved in any way himself. Let Levy, as his executor, make the claim from the insurance company, he had said, and then pass the money on to him. "If in any doubt, say nothing," was the last piece of advice David had given Pat before he died.

Ten days later Pat received a letter from a claims representative at Geneva Life requesting an interview with the beneficiary of the policy. Pat passed the letter straight to David's lawyer. Mr. Levy wrote back agreeing to an interview, which would take place, at his client's request, at the offices of Levy, Goldberg & Levy in Manhattan.

"Is there anything you haven't told me, Patrick?" Levy asked him a few minutes before the insurance company's claims representative was due to arrive. "Because if there is, you'd better tell me now."

"No, Mr. Levy, there's nothing more to tell you," past replied, carrying out David's instructions to the letter.

From the moment the meeting began, the representative of Geneva Life, his eyes continually boring into Pat's bowed head, left Mr. Levy in no doubt that he was not happy about paying out on this particular claim. But the lawyer stonewalled every question, strengthened by the knowledge that eight months before, when rigorous tests had been taken, Geneva Life's doctors had found no sign of David's being HIV positive.

Levy kept repeating, "However much noise you make, your company will have to pay up in the end." He added for good measure, "If I have not received the full amount due to my client within thirty days, I will immediately instigate proceedings against Geneva Life." The claims representative asked Levy if he would consider a deal. Levy glanced at Pat, who bowed his head even lower, and replied, "Certainly not."

Pat arrived back at the apartment two hours later, exhausted and depressed, fearing that an attack, of asthma might be coming on. He tried to prepare some supper before he went to work, but everything seemed so pointless without David. He was already wondering if he should have agreed to a settlement.

The phone rang only once during the evening. Pat rushed to pick it up, hoping it might be either his mother or his sister Ruth. It turned out to be Marvin, who bleated, "I'm in real trouble, Pat. I'm probably going to lose my job over that policy I made out for your friend David."

Pat said how sorry he was, but felt there was nothing he could do to help.

"Yes, there is," insisted Marvin. "For a start, you could take out a policy yourself. That might just save my skin."

"I don't think that would be wise," said Pat, wondering what David would have advised.

"Surely David wouldn't have wanted to see me fired," Marvin pleaded. "Have mercy on me, my friend. I just can't afford another divorce."

"How much would it cost me?" asked Pat, desperate to find some way of getting Marvin off the line.