In the fall of 1989, Monet became a prostitute. Her lover set her up with clients for one-third of the fee. She also insisted that Monet get organized. "She helped me get a fictitious business name, showed me how to pay quarterly taxes, and how to list my occupation as 'relationship consultant' for tax purposes. She told me, 'Screw your clients, but never screw the tax man. Report your income. Prostitution is a misdemeanor. But if you run afoul of the IRS, they take your life apart.'" Monet's business acumen came in handy some years later when the IRS audited her. She'd not only paid all the taxes she owed, but she'd also kept impeccable records. "My secretarial experience came in handy."

Monet's lover ran a high-volume, low-cost operation, and the pace -- sometimes 10 men a day -- wore her out. In addition, Monet's lover was deep into amateur porn and wanted her to participate. Monet did a few scenes but didn't enjoy the experience. "Porn is mean and boring. The amateur stuff felt dirty to me. As for mainstream porn, well, I like to fuck, but I don't like to get fucked over."

After nine months with her mentor, Monet went out on her own, intent on developing a lower-volume, higher-priced career. She advertised in the Spectator, a Berkeley-based sex weekly. "I realized that the feminists were wrong about prostitution, at least the kind I was doing. It wasn't demeaning at all. In fact, the clients wanted me to have a strong personality, to tell them what I thought about the world, and sexually, what I would and wouldn't do -- and mean it. Their libidos fed off of my personality, my energy. I'm more assertive as a prostitute than I ever was in any of my jobs in the computer industry."

Monet developed a clientele with several regulars. "I didn't work that much, just enough to pay the bills." The rest of the time, she was at A.A. meetings or in therapy. She began to see herself as a kind of therapist. "Men go to prostitutes for many of the same reasons they go to therapists: They're lonely. They're unsatisfied with their marriages. They're frustrated in their careers. And they want a relationship without emotional complications. With a therapist, you just talk. With me, men talk and then get something extra -- which lets me charge a lot more than therapists get. Over the years, I've met a surprisingly large number of women psychotherapists who moonlight as prostitutes."

The hardest part of prostitution, Monet contends, is not the men and not the sex. It's the public's narrow-mindedness. "Prostitutes elicit pity or contempt, but never respect." Monet set out to change that. She became a public advocate for prostitutes' rights and was eventually interviewed by Geraldo Rivera and profiled in the business section of the New York Times. Her mission, to get some respect for whores, was good for her soul and the media attention was good for business. "Even when the media dis me, the phone rings and the e-mails come in." Her business prospered.

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In 1991, three years into self-employment and five years after her breakup with Adrian, he called her. He was completely sober, reveling in it, and he wanted to see her.

No, you don't, she warned. "I told him everything -- the prostitution, the porn, everything. I figured my career would put him off, and I'd never hear from him again."

But Adrian kept calling. He claimed he didn't care how she made a living, that she was the love of his life and he had to be with her. "We'd talk on the phone, and everything I'd always liked about him came flooding back to me. He was so charming. And once he got sober, his drug-induced nastiness disappeared, and he was the sweet, fabulous person I always knew he was. I realized I missed him and still loved him."

Still, Monet was reluctant to see Adrian. Their relationship had been so rocky, their fights so disturbing. But he kept calling and wore her down. Adrian was living in Tahoe. Monet was in San Francisco. After several months, he talked her into meeting him for dinner in Sacramento. Monet agreed but insisted that their date be nonsexual. He agreed. "But once we got together, there was enough electricity to power a small city. We jumped into bed, and it was great."

Adrian got a job in the Bay Area, and he and Monet moved in together again. They were married in 1992 at the chapel in Yosemite. "It was hilarious," Monet recalls. "My mother was there. Adrian's friends were there. I'd invited lots of prostitute friends, and they all showed up dressed in conservative business suits. Then my old girlfriend-mentor showed up wearing clothes right out of Frederick's of Hollywood. My husband's friends were scandalized."

Monet was still bringing in business with Spectator ads. But she became dissatisfied with the paper. "It was seedy. I wanted to project a classier image, one that would attract business travelers with lots of money to spend." It was the early 1990s. Several early computer bulletin boards invited her to advertise for free. Her posts didn't bring in much business at first, but as bulletin boards gave way to Web sites, Monet saw the potential. She launched her own site in 1997. It features photographs that leave no doubt about her occupation. In one, she's on her hands and knees, wearing a black teddy, her shapely butt raised and receptive. In another, she's on her knees unzipping the fly of a well-dressed man, her black chemise partially exposing her breasts. It didn't take long for her to start making the big bucks with local rich men around the Bay Area who wanted a courtesan. That work led to even higher-paid gigs as a jet-set escort.

"On the street," she explains, "prostitution is all about the sex. To make a living, the girls have to do everything -- anal, blow jobs without condoms, and submissive scenes with guys who can be scary. But when prostitution moves off the street, into apartments, it's less about the sex and more about the ambiance, the relationship. The girl becomes more of a mistress. She fucks, of course, but what keeps guys coming back is who she is, how she makes them feel. At my level, it's even less about the sex. My job is to make my clients feel very special, to stroke their egos as well as their cocks, to look glamorous, speak intelligently, and give them my undivided attention. If my clients wanted just sex, for the fee I charge for a one-day date, they could buy an entire Nevada brothel with several girls for a whole weekend. But they want more than sex. They want to be treated like kings, which is exactly how I treat them."

What do ultra high-end prostitutes do sexually? Monet says she is happy to have vaginal and oral intercourse, to give full body massages, and play with S&M and bondage as long as she's the top, the dominant one. "I'm never submissive, never. And I don't do anal. At my level, very few women do."

Monet doesn't look her age, especially on her Web site. She works out regularly and is particularly proud of her firm, compact ass. But surprisingly, in an occupation dominated by young women, she is completely candid about being 42. "Men who are looking for young girls shouldn't call me. I don't have the face of a 20-year-old. But lots of rich, successful men aren't interested in young bimbos. They want intelligence and personality. They want to be fascinated. They want to feel pampered. They want a peak experience, and I give it to them. You'd also be surprised at the number of young, rich businessmen who want an older woman. So far, my age hasn't hurt my business at all."

But Sept. 11 did. Before the terrorist attack, in addition to her local business around the Bay Area, she was flying several times a month all over the country. Afterward, business travel plummeted, and so did calls to jet off to meet rich business travelers. But with her public advocacy of prostitutes' rights and her writing, she projected an image of iconoclastic accomplishment that gave her some celebrity. "Rich men like that." A year after Sept. 11, she says business has bounced back.

Of course, Monet knows that in another 10 years, when she's 52, her Web site and her notoriety may not work their current marketing magic. She's already preparing for the next phase of her career: She's toying with the idea of actually doing what her tax return says she does -- working as a relationship consultant, providing "professional sex advice from a pro." She's also been lecturing more at colleges. "I love talking to college kids. We always have great discussions." And she's focusing more on her writing. She recently finished a book titled "Porné."

Monet says she hopes to become a sexual philosopher: "Porné was a Latin term for both prostitution and idolatry. The fact is, prostitution was a key element in many pre-Judeo Christian religions. Many ancient temples had prostitutes and were constructed to resemble women's wombs. There was a great deal of sexuality around ancient religious rites, which focused on the fertility of women, animals and the soil. With the rise of Judeo-Christian monotheism, religion became less about the body and more about spiritual purity. My book is a collection of essays about prostitution and its place in the world. I haven't spent all these years sucking dick just to pay the mortgage. I've done it to learn about humanity, about how men often use prostitutes to preserve their marriages. I have a great deal to say." Her agent is shopping the book to publishers.

When Monet and Adrian got back together, he accompanied her to some media appearances. They once had sex together on camera for Playboy TV, and he appeared with her on the Montel Williams talk show as the husband of the prostitute. But a few of his business colleagues saw him, and he didn't like all the teasing. He decided to withdraw from Monet's public career. "He's not ashamed of my work. Quite the contrary: He's proud of my Web site and my media credits. His close friends all know what I do and are cool about it. But Adrian no longer does interviews or appearances as the husband of the prostitute." Adrian declined to be interviewed for this article.

Part of the reason Monet and Adrian no longer speak to the media as a couple is that it's boring. Everyone asks the same few questions. To Adrian: What's it like to have a wife who's a prostitute? What's it like to have sex with her when you know she's fucking so many other men? To Monet: What's it like to be a prostitute, then come home and have sex with your husband? And when you and Adrian socialize with your prostitute friends, aren't you nervous that they'll try to steal him away?

To hear Monet tell it, her husband relates to having a prostitute wife the same way other men relate to having wives who work in other occupations. "My job really hasn't been that big of an issue for us. I only do safe sex, so he's not concerned about catching anything. I screen my clients carefully and have my regulars, so he's not concerned about my safety. We're pretty much like other married couples. He tells me about his day. I tell him about mine. One of the things I really love about Adrian is that he's supportive and nurturing. If an issue comes up for me at work, he's very good about providing perspective."

Monet says her husband relates to having sex with her the same way she felt about sex with her stripper boyfriend. "It turned me on to know that other women found him so sexually magnetic. Adrian feels the same way. But there's a big difference between my professional sex and our married sex. At work, it's business. Sucking and fucking well happen to be part of my business. At home with Adrian, it's not business at all. It's love, and that makes a tremendous difference. I care about my clients, but I don't have the same spiritual connection with them that I have with my husband. What I have with Adrian is a once-in-a-lifetime thing. I couldn't possibly confuse it with any other relationship. I enjoy being sexual with my clients, but in terms of love, I consider myself monogamous. The only man I love is Adrian, and that makes our sex very different from my business sex."

Monet says she and Adrian have about the same level of libido. "We're both pretty horny. Sometimes he comes on to me. Other times I come on to him. We don't turn each other down much. It's comfortable."

Monet and Adrian socialize with some of her prostitute friends, but says she never feels that they threaten her marriage. "Most of them are happily coupled themselves. They're not lonely and looking for love. And they make very good livings, so they're not stuck with their husbands or boyfriends because of money. That's not the case with many wives. Wives often feel bored, and unloved, and horny, and financially trapped. Put my husband in a room full of prostitutes and I'm much less concerned that someone is going to try to steal him than I would be if he were in a room full of other men's wives."

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A few days after Monet's trip to Chicago, she and Adrian have lunch together at home. They rarely eat breakfast together. His alarm is set for 6, while local clients often keep her working until 2 a.m., so she doesn't get up until around 10. But Adrian works close enough to the house to come home for lunch fairly regularly. Monet has prepared a salad. He pops open a Pepsi. She sips water. Monet listens as Adrian discusses all the money his company has riding on the project he's just been assigned. She wishes him good luck. Then he listens as she discusses the client she's seeing that afternoon after the guy leaves work, a referral from a regular. She mentions the name of the hotel where they're meeting and says she'll be home late for dinner. Adrian says he'll wait to grill the steaks until she returns. He finishes his soda, takes Monet in his arms, and kisses her.

"Have a good day," he tells his wife.

"You too," she tells her husband. "See you tonight."

Adrian leaves. Monet pulls out the paper and reads the business section. Her new client is deep into the stock market, so she needs to bone up on the latest financial news. Then she opens her closet and selects an outfit she thinks he'll like, one that will make him feel like a king.

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