Chapter 3 Jacksonville, FL Kevin DAVID TOOK ME to the River Club for dinner. The private club occupied the top two floors of the second-highest of the downtown skyscrapers—and the ambience was as good as the food was reported to be. From our corner table, we could see the lights of the city spread out in two directions. While we were waiting for the bottle of wine David had ordered, he said, “In case you’re wondering, I’m not rich. I do have a full medical disability pension, and it’s tax-free. For that matter, I have a little income from a tiny trust fund, but my membership in this club was a gift from my grandfather. He belongs to a club in Charlotte that has reciprocal agreements with clubs all over the country, and he gave me an associate membership tied to his. All I have to do is

