Books: Reverse Lear HOT MONEY

by Dick Francis Putnam; 324 pages; $17.95

Psychology is kept decently out of sight in most of the 25 horsey thrillers listed on the op-title page of Dick Francis' new entertainment. It is what goes on -- wheels turning in the murky unconscious, and all that -- when one of his characters, caught in some awkwardness, says "er . . ." That unmistakable Francis "er . . ." has got author and readers past many a potentially mushy spot and on to the good part, where the hero is gonked by hired gorillas or injected with horse tranquilizer, and then wakes up, aware that something is wrong, inside...

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