She twisted her wedding ring. “Howie wasn’t much interested in insurance, but Mr. Fepple insisted he learn the business. You can always make a living in insurance, no matter how bad times are, he always said. That’s how the agency survived the Depression, he was always telling Howie that, but Howie wanted to do something—well, more interesting, more like what the boys—men—he went to school with were doing. Computers, finance, that kind of thing. But he couldn’t make a go of it, so when Mr. Fepple passed away and left the agency to him, Howie went ahead and tried to make it work. But that neighborhood has gone steep downhill since when we used to live there. Of course, we moved out here in ’59, but all Mr. Fepple’s clients were on the South Side; he didn’t see how he could move the agency and look after them.”
“So you lived in Hyde Park when you were growing up?” I asked, to keep the conversation going.
“South Shore, really, just south of Hyde Park. Then when I got out of high school I went off to work as a secretary to Mr. Fepple. He was quite a bit older, but, well, you know how these things go, and when we found Howie was on the way, well, we got married. He had never married before—Mr. Fepple, I mean—and I guess he was excited at the idea of a boy to carry on—his father started the agency—you know how men are about things like that. When the baby came, I stayed at home to look after him—back then we didn’t have day care, you know, not like now. Mr. Fepple always said I spoiled him, but he was fifty by then, not much interested in children.” Her voice trailed away.
“So Mr. Howard Fepple only started work at the agency when his father died?” I prompted. “How did he learn the business?”
“Oh, well, Howie used to work there weekends and summers, and he spent four years there after college. He went out to Governors State, got a degree in business. But like I said, insurance wasn’t really his cup of tea.”
The mention of tea galvanized her into thinking we should have something to drink. I followed her into the kitchen, where she pulled a Diet Coke out of the refrigerator for herself and handed me a glass of tap water.
I sat at the kitchen table, pushing aside a banana peel. “What about the agent who worked for your husband, what was his name? Rick Hoffman? Your son seemed to admire his work.”
She made a face. “I never took to him. He was such a fussy man. Everything had to be just so. When I worked there he was always criticizing me because I didn’t keep the file drawers the way he wanted them organized. It was Mr. Fepple’s agency, I told him, and Mr. Fepple had a right to set up files the way he wanted them, but Mr. Hoffman insisted I get all his files arranged in this special way, like it was some big deal. He did these little sales, burial policies, that kind of thing, but the way he acted you’d think he was insuring the pope.” She waved her arm in a vague gesture, making the dust bunnies bounce.
“Somehow he made a lot of money doing it, money Mr. Fepple sure never saw. Mr. Hoffman drove a big Mercedes, had a fancy apartment someplace on the North Side.
“When I saw him show up with that Mercedes, I told Mr. Fepple he must be embezzling, or part of the mob or something, but Mr. Fepple always went through the books very carefully, no money was ever missing or anything. When time went on, Mr. Hoffman got stranger and stranger, by what Mr. Fepple said. He drove the girl who came there later on—after Howie was born, after I quit to look after him—out of her mind. He was always fussing around his papers, she said, taking them in and out of files. I think he kind of went senile toward the end, but Mr. Fepple said he wasn’t doing any harm, let him come into the office and shuffle his papers around.”
“Hoffman had a son, right? Did his boy and yours hang out together?”
“Oh, goodness me, no—his boy started college the year Howie was born. I don’t know if I ever even met him, it was just Mr. Hoffman always talking about him, how everything he did was for his boy—of course, I shouldn’t poke fun, I felt the same way about Howie. But somehow it griped me, all the money he could come up with to spend on his son, while Mr. Fepple, who owned the agency, didn’t have near as much. Mr. Hoffman sent his son off to some fancy eastern school to college, someplace that sounded like Harvard but wasn’t. But I never heard his boy amounted to anything much, even with all that expensive education.”
“Do you know what became of him? The son, I mean?”
She shook her head. “I heard he was like a hospital clerk or something, but after Mr. Hoffman passed away, we didn’t hear anything about him. It wasn’t like we knew anyone who knew him, in a social way, I mean.”
“Did your son talk about Hoffman lately?” I asked. “Did he mention problems with any of Mr. Hoffman’s old clients? I’m wondering in particular if any of them might have threatened him. Or maybe made him so depressed about the business that he didn’t see how he could make it work.”
She shook her head, sniffling again as she thought of her son’s last days. “But that’s why I don’t think he killed himself. He was, oh, sort of excited, like he gets—got—when he had a new idea in mind. He said he finally understood how Hoffman made so much money out of his list. He figured he could get me a Mercedes of my own if I wanted. Pretty soon, he said. Now, well, I do clerical work up in Western Springs, and I guess I’ll just keep on until I retire.”