Woman detective Fiction Private eye Fiction It was the silly season and a Monday at that, and Kinsey Millhone was bogged down in a preliminary report on a fire claim. Something was nagging at her, but she couldn't pin it. The last thing she needed in the morning mail was a letter from her bank recording an erroneous $5, ooo deposit in her account. Kinsey had never believed in Santa Claus and whe wasn't about to change her mind now. Resigning herself to a morning of frustration, she phoned the bank and, assulted by canned carols, waited on hold for an officer to clear up the snafu. It was with something less than Christmas cheer that Kinsey faced off only minutes later with California Fidelity's Mac Voorhies. Voorhies was smart, humorless, stingy with praise, and totally fair. He was frowning now. "I got a phone call this morning, " he said, his frown deeping. "Somebody says you're on the take." Suddenly the $5,000 deposit clicked into place. It wasn't a mistake. It was a setup.