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At 9:30 she had breakfast in the hotel bar: two cups of coffee and a bagel with jam. The cost was 210 kronor. Are these people soft in the head?

Just before 10:00 Monica Sholes set down her coffee cup, opened her mobile, and punched in the number of a modem uplink in Hawaii. After three rings, the handshaking tone began. The modem was connected. Monica Sholes replied by punching in a six-digit code on her mobile and texting a message containing instructions to start a programme that Salander had written especially for this purpose.

In Honolulu the programme came to life on an anonymous home page on a server that was officially located at the university. The programme was simple. Its only function was to send instructions to start another programme in another server, which in this case was a perfectly ordinary commercial ISP offering Internet services in Holland. The function of that programme, in turn, was to look for the mirrored hard drive belonging to Hans-Erik Wennerström and take command of the programme that showed the contents of his approximately 3,000 bank accounts around the world.

There was only one account of any interest. Salander had noted that Wennerström looked at the account a couple of times each week. If he turned on his computer and looked at that particular file, everything would appear to be normal. The programme showed small changes, which were to be expected, based on normal fluctuations in the account during the past six months. If during the next forty-eight hours Wennerström should go in and ask to have the funds paid out or moved from the account, the programme would dutifully report that it had been done. In reality, the change would have occurred only on the mirrored hard drive in Holland.

Monica Sholes switched off her mobile the moment she heard four short tones confirming that the programme had started.

She left the Zimmertal Hotel and walked over to Bank Hauser General, across the street, where she had made an appointment to see Herr Wagner, the general manager, at 10:00. She was there three minutes ahead of schedule, and she spent the waiting time posing in front of the surveillance camera, which took her picture as she walked into the department with offices for discreet private consultations.

“I need some assistance with a number of transactions,” she said in Oxford English. When she opened her briefcase, she let drop a pen from the Zimmertal Hotel, and Herr Wagner politely retrieved it for her. She gave him an arch smile and wrote an account number on the notepad on the desk in front of her.

Herr Wagner pigeonholed her as the spoiled daughter, or possibly mistress, of some bigshot.

“There are a number of accounts at the Bank of Kroenenfeld in the Cayman Islands. Automatic transfer can be done by sequential clearing codes,” she said.

“Fräulein Sholes, naturally you have all the required clearing codes?” he asked.

“Aber natürlich,” she replied with such a heavy accent that it was obvious she had only school-level German.

She started reciting several series of sixteen-digit numbers without once referring to any papers. Herr Wagner saw that it was going to be a long morning, but for a 4 percent commission on the transactions, he was prepared to skip lunch, and he was going to have to revise his pigeonhole for Fräulein Sholes.

She did not leave Bank Hauser General until just past noon, slightly later than planned, and she walked back to the Zimmertal. She put in an appearance at the front desk before she went up to her room and took off the clothes she had bought. She kept on the latex breasts but replaced the page-boy wig with Irene Nesser’s shoulder-length blonde hair. She put on more familiar clothes: boots with stiletto heels, black trousers, a simple shirt, and a nice black leather jacket from Malungsboden in Stockholm. She studied herself in the mirror. Not unkempt by any means, but she was no longer an heiress. Before Irene Nesser left the room, she sorted through a number of bonds, which she placed inside a thin portfolio.

At 1:05,