Kenneth needed me dead for the insurance, to save himself from the men who wanted to kill him.

Beatrice needed me dead before the audit closed — so that, as my next of kin, she could seize control of the estate and quietly pour money back into the foundation’s accounts before federal agents noticed what was missing.

“They found each other,” Vance said.

“Two people who each needed you gone, for reasons that fit together like a lock and a key.

So they combined their plans.