It was the chilly season and a Monday morning, and Cool Jones sat at his Pro doing what he liked least, which was writing a report on a fire claim. Something seemed wrong--real wrong--but Cool didn't know yet what was up. Also, he had logged in, and checked out, his bank balance and saw $10,000 that was not his. Cool knew that Santa Claus was just a story that grownups made up for kids, and he was damn sure he didn't know anyone who liked him enough to give him a $10,000 Christmas gift. Cool figured it would be one of those days as he got on the phone to the bank to and give them what-for about the $10K they had wrongly put into his account. Then the fun continued when Cool ended up face to face with Lowell Mitchell, the boss at Mutual of Northern California. Mitchell was one squared-away dude, serious and organized and impartial. Right now, he looked like someone had just died. "I got a call," he told Cool. "Someone thinks you're taking payoffs." Suddenly Cool knew the score. That $10K wasn't a mistake. It was part of a plan to take him down.