“Normal and strong,” he reported. “No trouble there. It’s possible he had some slight temporary affection when he was examined for the other company. The heart is sometimes most deceptive, and there are occasionally apparent evidences of a serious malady where none really exists. In some cases I’ve discovered symptoms of heart trouble at one examination and found them absolutely lacking a little later. This man is all right.” Nevertheless, Murray questioned Harkness closely. “Are you sure,” he asked, the question having been previously answered when the application was made, “that you never were refused by any other company?” “I never applied for insurance before,” replied Harkness, but there was the same shifty look in his eyes. “Did you ever know another Harkness at Madison, Indiana?” Harkness looked frightened, but he answered promptly in the negative. “Where have you been since you left Madison?” Harkness told briefly of his movements. “Did you ever live at 1176 Wabash Avenue?” “No.” The case became even more mystifying. There was a record of only one Elmer Harkness at Madison, but it was evident that two had applied for insurance, for the Harkness who had been refused had given his address as 1176 Wabash Avenue. “I am tempted,” said Murray later, “to make a strong adverse report. At the same time I don’t want to do an injustice and refuse a man who is rightfully entitled to insurance. My refusal, coupled with the mystifying record, would make it practically impossible to get insurance anywhere at any time, and he may be all right.” “If there’s a fraud in it anywhere,” remarked the doctor, “there are some clever and experienced people behind it.” “Quite the contrary,” returned Murray. “The experienced people are the people we catch, because they do things the way one naturally expects. As a general thing, you will find that the police are fooled, not by the professional criminal, but by the novice who is ignorant of the ways of the crook, and the same rule applies to insurance swindles. If there is anything wrong here our difficulty lies in the fact that this fellow and those behind him are not experienced and are not going at the thing the way an experienced swindler would.”