Mrs. Phelps, sixty-two years old, was overweight, dowdy, and a retired sheriff's deputy from Riverside, California. She had moved to Culver City with her new husband, a retired Los Angeles police officer named Steven Earl Phelps, and had been a customer at this branch for only eight days. She was unarmed, but would not have reached for her weapon if she had been carrying it. Lynn Phelps knew the two A-holes robbing her bank were not professionals by the way they wasted time waving their guns and cursing rather than getting down to the business of stealing money. Professionals would have immediately grabbed the managers and had the tellers dump their drawers. Professionals knew that speed was life. These A-holes were clearly amateurs. Worse, they were amateurs who were armed to the teeth. Professionals wanted to get out alive; amateurs would kill you. Lynn Phelps checked the time again. Three-ten. One minute had passed, and these two idiots were still waving their guns. Amateurs. *