Hmm, I read your post yesterday but hadn't reached that far yet. Just now thought I found what you meant and came to confirm location 4638. Except your location # is different though it comes earlier in the same section.
I have the sentence:
"That, I think you'll find, is the only way to talk about my mother." [followed by] "These things accrete."
Tell me if that's the same spot.
Until I get my physical copy I can only speculate that all that is missing is a section break. Banks frequently jumps into conversations in progress and reveals the setting and characters subsequently.