new form: If you do not choose to take out my horror insurance, you shall burn in slow fire till you are utterly consumed. It may be next month or next year. It may be tomorrow. It may be in the privacy of your room, or among crowds. Read in this afternoon's paper of what will shortly happen to two of the town's leading citizens. Then decide whether or not the premium payment asked is not a small price to pay for allaying the horror the reading of their fates will inspire in you.
Keane tapped the letter against his palm.
"Horror insurance," he murmured. "I can see Doctor Satan's devilish smile as he coined that phrase. I can hear his chuckle as he 'invites' you to take out a 'policy'. Well, are you going to pay it?"
Kessler's shudder rattled the chair he sat in.
"Certainly! Am I mad, that I should refuse to pay—after reading what happened to Varley and Croy? Burned alive! Reduced to a shapeless little residue of consumed flesh—and then to nothingness! Certainly I'll pay!"
"Then why did you come to me?"
"To see if we couldn't outwit this Doctor Satan in future moves. What's to keep him from demanding a sum like that every year as the price of my safety? Or every month, for that matter?"
"Nothing," said Keane.
Kessler's hand clenched the chair-arm. "That's it. I'll have to pay this one, because I daren't defy the man till some sort of scheme is set in motion against him. But I want you to track him down before another demand is presented. I'll give you a million dollars if you succeed. Two million. . . ."
The look on Keane’s face stopped him.
"My friend," said Keane, "I'd double your two million, personally, if I could step out and destroy this man, now, before he does more horrible things."
He stood up.
"How were you instructed to pay the 'premium'?"
For a moment Kessler looked less panic-stricken. A flash of the grim will that had enabled him to build up his great fortune showed in his face.
"I was instructed to pay it in a way that may trip our Doctor Satan up," he said. "I am to write ten checks of seventy-five thousand dollars each, payable to the Lucifex Insurance Company. These checks I am to bring to this building tonight. From the north side of the building I will find a silver skull dangling from a wire leading down the building wall. I am to put the checks in the skull. It will be drawn up and the checks taken by someone in some room up in the building."
His jaw squared.
"That ought to be our chance, Keane! We can have men scattered throughout the National State Building"
Keane shook his head.
"In the first place, you'd have to have an army here. There are seventy-nine floors, Kessler. Satan's man may be in any room on any of the seventy-nine floors on the north side of the building. Or he may be on the roof. In the second place, expecting to catch a criminal like Doctor Satan in so obvious a manner is like expecting to catch a fox in a butterfly net. He probably won't be within miles of this building tonight. And you can depend on it that his man, who is to draw up the skull with the checks in it, won't be in any position where he can be caught by the police or private detectives."
Kessler's panic returned in full force. He clawed at Keane's arm.
"What can we do, then?" he babbled. "What can we do?"
"I don't know, yet," admitted Keane. "But we've got till tonight to figure out a plan. You come to the building as instructed, with the checks to put in the
