I’d go with around 95% too.
I wonder when Wallace last spoke to Parry before the murder? I cant recall if its even been mentioned in the books? You can guess where I’m going with that question though. Could he have let slip plans for a 21st birthday party in conversation? Rod would say that I was clutching at straws with that one and, for once, he would probably be correct

It could just have been a coincidence after all. A far more believable one than the phonecall being a prank which the killer just happened to take advantage of

Wallace and Parry would both be aware that 21 was an age that insurance policies were regularly set up. I genuinly think that it was just a coincidence and not a particularly spectacular one. Taken alongside all the other evidence it’s not a point that worries me but you are definitely right to explore points from both sides. I could name someone who would do well to take a leaf out of your book

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