What a strange word for what was happening.
I reviewed the seating chart, smiled when Rosa walked past, asked if she needed help—pretended my world hadn’t just collapsed an hour ago.
At 6:00, my phone buzzed.
George Matthews.
“Catherine, can we talk? Something odd with the Q2 financials. Derek’s signature on transfers I don’t recognize.”
George was careful, methodical. If he’d noticed something, it was real.
I typed back: Tomorrow. Keep it quiet.
At 6:30, I walked into Thomas’s old study and opened a private browser.
Power of attorney elder abuse Connecticut.
The results made me sick. Financial exploitation. Fraudulent guardianship. Forced institutionalization. It happened to people who thought they were safe.
People like me.
I grabbed my purse. Rosa appeared in the hallway.
“Miss Catherine… dinner’s almost—”
“I have to run an errand,” I said. “Don’t wait for me.”
I was in the car before she could ask questions.
Sarah Goldman’s office was in downtown Stamford, a glass tower near the courthouse. I’d been using her for eight years—corporate contracts, mergers.
Tonight, I needed something else.
Her assistant had left, but Sarah was still there. She met me at the elevator, immediately concerned.
“Catherine, what’s wrong?”
I showed her the photo Rebecca had sent—the power of attorney document.
“Where did you get this?”
“A friend. Can we talk?”
She led me to her office. Sarah pulled up the photo on her computer and zoomed in on page seven: Emergency health proxy amendment.
She read:
“In the event of cognitive impairment, as certified by a licensed physician, all corporate voting rights, fiduciary control, and trust administration transfer immediately to Rachel Morrison, acting CEO, with full authority to execute sales, mergers, asset liquidations, or corporate dissolutions without further consent or oversight.”
She looked up. “This isn’t a gift. It’s a trap.”
“I know.”
“If you sign this Saturday and Dr. Caldwell files his assessment Monday, you lose everything by Wednesday.”
I swallowed. “Can we stop it?”
“Yes. Emergency injunction to freeze transfers. Independent cognitive evaluation. Evidence of fraud. But we need to move fast.”
“How much time?”
“Forty-eight hours.”
I closed my eyes.
“There’s something else,” I said. “George Matthews noticed irregularities in our financials. Derek’s signature on transfers. He doesn’t recognize them.”
Sarah leaned forward. “That’s evidence, but we need more. We need to know what they’re planning to do with the money.”
“How?”
She pulled a business card from her desk drawer.
“David Reyes. Ex-FBI. Specializes in financial fraud. If there’s a trail, he’ll find it.”
I picked up the card. Just a name and a phone number.
“Can we trust him?”
“I’ve used him three times. He’s discreet and he’s fast.”
I stood. “Thank you.”
She walked me to the elevator.
“Catherine,” she said softly, “if you expose them, there’s no going back.”
“Rachel,” I said, voice rough. “I know.”
The doors opened. I stepped inside.
I sat in my car in the parking garage and stared at the card.
Forty-eight hours to save everything.
Forty-eight hours to stop my daughter from destroying me.
I dialed the number.
Two rings.
“Reyes.”
His voice was low, steady—the kind of voice that didn’t flinch.
I took a breath. “My name is Catherine Morrison. I need to hire you tonight.”
David Reyes sat across from me in a vinyl booth, a cup of black coffee untouched in front of him. Sixty-two. Silver-haired. Eyes that didn’t blink when you told them something impossible.
The diner on Route 1 was nearly empty. 9:00 Thursday night.
David pulled a notebook from his jacket. No phone. No recorder. Just paper and a pen.
“Start from the beginning,” he said.
I told him everything—the boutique, the voices through the wall, Derek, Dr. Caldwell, the power of attorney, page seven, forty-seven million, Saturday night, assisted living by Christmas.
He didn’t interrupt. He just wrote in clean, efficient lines.
When I finished, he looked up.
“Can you find proof?” I asked.
“I can find anything. Question is, how much do you want to know?”
“Everything.”
He nodded. “Your daughter… you think she’s being manipulated or part of it?”
I hesitated. “I don’t know.”
“That’s honest.” He flipped a page. “I’ll need access. Bank records. Company financials. Background on Derek Pierce. Dr. Caldwell’s contact information.”
“George Matthews can get you the financials quietly,” I said. “He’s our senior VP. He texted me tonight—Derek’s signature on transfers he doesn’t recognize.”
David made a note. “Good. That’s a thread.”
“I have Derek’s résumé,” I said. “Yale MBA. Twelve years at Whitman and Associates.”
“I’ll verify it.” He paused. “The doctor. How long have you been seeing him?”
“Five years. He treated my husband before he died.”
David set down his pen. “Your husband. Thomas Morrison.”
“Yes.”
He looked at me like he was watching something click into place.
“I knew him,” he said.
The words hung in the air.
I stared. “What?”
“2005. I was investigating a Ponzi scheme targeting small consulting firms. My supervisor wanted to drop it. Not high-profile enough. Thomas came forward. Testified. Gave us documentation—emails—everything we needed. He saved the case. He saved my career.”
My throat tightened. “I didn’t know.”
“He wouldn’t have told you,” David said. “That was Thomas. He didn’t do it for recognition.”
I closed my eyes.
Seven years after his death, Thomas was still protecting me.
“I owed him,” David said quietly. “Never got the chance to pay him back.”
I looked at him. “You can now.”
He nodded once. “That’s the plan.”
David slid a business card across the table. His handwriting: Morrison Estate. 2:00 p.m. Friday. I need sixteen hours. Meet me tomorrow at your house. Bring your lawyer.
“What are you looking for?” I asked.
“Three things,” he said. “Each one worse than the last.”
“Tell me.”
“Not yet.” He stood, dropped a twenty on the table. “Go home. Try to sleep. Tomorrow’s going to be long.”
I didn’t sleep.
I drove home in a daze. The house was dark. I climbed the stairs and lay on top of the covers, fully dressed, staring at the ceiling.
Three things. Each one worse than the last.
What had Derek done?
The hours crawled. Midnight. One. Two.
At some point, I closed my eyes.
My phone buzzed.
Dawn was breaking. 5:47 a.m. A text from an unknown number.
David, found the shell company. Cascade Holdings LLC. Offshore accounts. This is bigger than you think.
I sat up, heart pounding.
Cascade Holdings—the name Derek had said through the wall.
David had found it in less than nine hours.
I stared at the message.
Bigger than I thought.
How much worse could it get?
David Reyes arrived at 2:00 sharp, carrying a leather briefcase. Sarah Goldman was already in my study. George Matthews sat beside her—sixty-five, gray-haired, Thomas’s college roommate, our senior vice president for twenty years.
David set the briefcase on my desk and pulled out three folders—red, blue, black.
“Start with the red one,” he said.
I opened it.
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