After dropping my husband off at Houston’s airport for a business trip, my eight-year-old daughter grabbed my arm and whispered, “Mom, please don’t take us home

years and I know what actual fear sounds like in a voice. So I asked her, very carefully, what she had heard.

“Sunday night. When you were on nights. He was in the utility room.”

And then: “He said after you dropped him off it would all be taken care of. He said it’d look like a gas leak.”

For days he had been telling me the water heater was playing up and that I was not to touch the valves. He said somebody was coming out. Nobody ever came.

And three weeks earlier he had talked me into a joint life policy for eight hundred and fifty thousand.

And he had been asking about my shift pattern, and about Nia’s school hours, and how quickly accidental-death claims pay out.

“Nia. Get down and stay out of sight.”

I went up into the multi-storey instead of going home and put

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