I found the remains of a pillow on top of the remains of the monitor. I showed it to the fire investigator and he took the remains away with him. The official cause of the fire has been ruled as "accidental" because there is no way we can convince anyone that we do not ordinarily store pillows on top of our computer monitor. My girlfriend was the last person in that room and there were no pillows in evidence at the time.

I hadn't thought of the thieves bringing the cards back into use. It shouldn't matter because two of the three card accounts are now closed and the third one has been replaced and the old account closed. Anyone who accepts a charge without checking the account is risking his own money.