I nodded, looking for the gimmick that made this a paying proposition for good old Tangiers Mutual. "The Double R-P--that's what we call it around the office here--assures the client that he won't be reduced to panhandling in his old age, should his other retirement plans fall through. For Belt prospectors, of course, this means the big strike, which maybe one in a hundred find. For the man who never does make that big strike, this is something to fall back on. He can come home to Earth and retire, with a guaranteed income for the rest of his life." I nodded again, like a good company man. "Of course," said Henderson, emphasizing this point with an upraised chubby finger, "these men are still uninsurables. This is a retirement plan only, not an insurance policy. There is no beneficiary other than the client himself." And there was the gimmick. I knew a little something of the actuarial statistics concerning uninsurables, particularly Belt prospectors. Not many of them lived to be forty-five, and the few who would survive the Belt and come home to collect the retirement wouldn't last more than a year or two. A man who's spent the last twenty or thirty years on low-gee asteroids just shrivels up after a while when he tries to live on Earth. It needed a company like Tangiers Mutual to dream up a racket like that. The term "uninsurables" to most insurance companies means those people whose jobs or habitats make them too likely as prospects for obituaries. To Tangiers Mutual, uninsurables are people who have money the company can't get at. "Now," said Henderson importantly, "we come to the problem at hand." He ruffled his up-to-now-neat In basket and finally found the folder he wanted. He studied the blank exterior of this folder for a few seconds, pursing his lips at it, and said, "One of our clients under the Double R-P was a man named Jafe McCann." "Was?" I echoed. He squinted at me, then nodded at my sharpness. "That's right, he's dead." He sighed heavily and tapped the folder with all those pudgy fingers. "Normally," he said, "that would be the end of it. File closed. However, this time there are complications." Naturally. Otherwise, he wouldn't be telling _me_ about it. But Henderson couldn't be rushed, and I knew it. I kept the alert look on my face and thought of other things, while waiting for him to get to the point. "Two weeks after Jafe McCann's death," Henderson said, "we received a cash-return form on his policy." "A cash-return form?" I'd never heard of such a thing. It didn't sound like anything Tangiers Mutual would have anything to do with. We _never_ return cash. * * * "It's something special in this case," he explained. "You see, this isn't an insurance policy, it's a retirement plan, and the client can withdraw from the retirement plan at any time, and have seventy-five per cent of his paid-up premiums returned to him. It's, uh, the law in plans such as this."