As I drove up I-95 to Philadelphia, I pondered Marzetti’s reaction. Maybe, like Brad, he had stumbled across something he wasn’t supposed to find. Odd that Marzetti, like Cooper, had left so quickly and so soon after discovering the problem. Had he planned on leaving or did finding the account have something to do with it? Perhaps someone—Cooper?—had warned him not to tell anyone about the account. Cooper could have found a way to hack into the system and create the account. And, maybe, after Brad raised the alarm again, Cooper cut bait and ran, taking most of the money and leaving some of it behind to implicate Brad. An interesting theory, but that’s all it was. I needed hard proof. It took me less than two hours to reach Cooper’s place, a dilapidated row house in a shabby North Philly