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thing looked like a living room display in a store window.
    There was a man behind the desk. Stone started the long walk in toward him. He dodged between the sofas and crabbed around the coffee table. Approached the desk. Stuck out his right hand.
    “Mr. Hobie?” he said. “I’m Chester Stone.”
    The man behind the desk was burned. He had scar tissue all the way down one side of his face. It was scaly, like a reptile’s skin. Stone stared away from it in horror, but he was still seeing it in the comer of his eye. It was textured like an overcooked chicken’s foot, but it was unnaturally pink. There was no hair growing where it ran up over the scalp. Then there were crude tufts, shading into proper hair on the other side. The hair was gray. The scars were hard and lumpy, but the skin on the unburned side was soft and lined. The guy was maybe fifty or fifty-five. He was sitting there, his chair pushed in close to the desk, his hands down in his lap. Stone was standing there, forcing himself not to look away, his right hand stuck out over the desk.
    It was a very awkward moment. There is nothing more awkward than standing there ready to shake hands while the gesture is ignored. Foolish to keep standing there like that, but somehow worse to pull your hand back. So he kept it extended, waiting. Then the man moved. He used his left hand to push back from the desk. Brought his right hand up to meet Stone’s. But it wasn’t a hand. It was a glittering metal hook. It started way up under his cuff. Not an artificial hand, not a clever prosthetic device, just a simple hook, the shape of a capital letter J, forged from shiny stainless steel and polished like a sculpture. Stone nearly went to grasp it anyway, but then he pulled back and froze. The man smiled a brief generous smile with the mobile half of his face. Like it meant nothing to him at all.
    “They call me Hook Hobie,” he said.
    He sat there with his face rigid and the hook held up like an object for examination. Stone swallowed and tried to recover his composure. Wondered if he should offer his left hand instead. He knew some people did that. His great-uncle had had a stroke. The last ten years of his life, he always shook left-handed.
    “Take a seat,” Hook Hobie said.
    Stone nodded gratefully and backed away. Sat on the end of the sofa. It put him sideways on, but he was happy just to be doing something. Hobie looked at him and laid his arm on the desktop. The hook hit the wood with a quiet metallic sound.
    “You want to borrow money,” he said.
    The burned side of his face did not move at all. It was thick and hard like a crocodile’s back. Stone felt his stomach going acid and he looked straight down at the coffee table. Then he nodded and ran his palms over the knees of his trousers. Nodded again, and tried to remember his script.
    “I need to bridge a gap,” he said. “Six weeks, one-point-one million.”
    “Bank?” Hobie asked.
    Stone stared at the floor. The tabletop was glass, and there was a patterned rug under it. He shrugged wisely, as if he were including a hundred fine points of arcane business strategy in a single gesture, communicating with a man he wouldn’t dream of insulting by suggesting he was in any way ignorant of any of them.
    “I prefer not to,” he said. “We have an existing loan package, of course, but I beat them down to a hell of a favorable rate based on the premise that it was all fixed-amount, fixed-term stuff, with no rolling component. You’ll appreciate that I don’t want to upset those arrangements for such a trivial amount.”
    Hobie moved his right arm. The hook dragged over the wood.
    “Bullshit, Mr. Stone,” he said quietly.
    Stone made no reply. He was listening to the hook.
    “Were you in the service?” Hobie asked him.
    “Excuse me?”
    “Were you drafted? Vietnam?”
    Stone swallowed. The burns, and the hook.
    “I missed out,” he said. “Deferred, for college. I was very keen to go, of course, but