The C.K. Theory of Perseverance

A week after the July 4th cruise, Fred and Verna had their secret official wedding. The insurance they'd soon buy would be his outright, or in a trust that he controlled. So I asked Captain Randy to take us to the place Fred said the dory had capsized on the north side of Bird Rock. That's where, according to Fred, Lady jumped at the birds and they all lunged and toppled,. And it was too different from the story Fred presented to authorities. After looking at it, I didn't buy the C.K. theory. Too risky, no matter how low the visibility.