“Don’t answer.”
The ringing stopped.
A second later, a voicemail notification appeared.
No one moved.
Then Liam stood.
“Speaker.”
Ruiz nodded.
I pressed the message.
For three seconds, there was only static.
Then a man’s voice spoke.
“Mrs. Carter-Reeves, if you are hearing this, the portal has been compromised.”
I stopped breathing.
The voice was unfamiliar.
Calm.
Older.
“There is no secure channel left. Do not contact Whitmore Forensics. Do not access your personal cloud. Do not trust any document dated after March seventeenth.”
Ruiz immediately began recording the message on her tablet.
The voice continued.
“The amendment is not what you think it is.”
My gaze snapped toward Liam.
His expression changed.
The voicemail ended with one final sentence.
“Ask your brother why your father closed the Lake Mercer account.”
Silence.
The message clicked off.
Detective Ruiz turned toward Liam.
I did too.
My brother had gone pale.
“Liam?”
He stood perfectly still.
“What’s the Lake Mercer account?”
He did not answer.
My hand slowly slipped from the phone.
“Liam.”
He looked at me.
And for the first time since he walked into my hospital room, my brother looked afraid of me.
Not for me.
Of me.
“I need to explain something,” he said.
The rain struck the windows harder.
Detective Ruiz moved between us.
“No,” she said. “First, you tell me whether Lake Mercer is a person, a company, or a financial account.”
Liam ran both hands through his hair.
“It was a bank account.”
“Your father’s?”
“Yes.”
Mine and Liam’s father, Arthur Carter, had been dead for nine years.
In my memory, he existed in fragments.
The smell of cedar in his office.
Reading glasses left on top of financial reports.
His terrible singing while making pancakes.
His habit of tapping a pen twice against his desk before signing anything important.
My father had created the trust that gave me voting control of Apex Development.
He was the reason Ethan’s name on the company headquarters had never meant what Ethan believed it meant.
But Lake Mercer?
I had never heard those words.
“Why did Dad have a secret account?”
Liam pulled the chair closer again, but this time he did not sit.
“He didn’t.”
Detective Ruiz narrowed her eyes.
“You just said it was his.”
“I said it was connected to him.”
My patience snapped.
“Stop talking like a doctor explaining test results to a family in a hallway.”
Liam flinched.
I instantly regretted the sharpness in my voice.
But I did not take it back.
Not this time.
He sat.
“Lake Mercer was an account Dad monitored,” he said. “He didn’t own it.”
“Who did?”
Liam looked toward Ruiz.
She waited.
Finally, he said, “I don’t know.”
I stared at him.
“You expect me to believe that?”
“No. That’s why I should have told you years ago.”
The room seemed to narrow.
Liam rested his elbows on his knees.
“Three months before Dad died, he came to see me at the hospital.”
I remembered that year.
I had been twenty-nine.
Newly engaged to Ethan.
My father had been recovering from heart surgery.
Liam was already an attending physician at Riverside.
“He told me he needed a favor,” Liam continued. “He gave me a sealed envelope and said that if anything happened to him, I was supposed to put it in a safe deposit box.”
“Anything happened to him?”
“I asked the same question.”
“And?”
“He said he was being dramatic.”
A weak smile appeared on Liam’s face.
“Dad was good at making you feel ridiculous for worrying about him.”
That was true.
I could hear my father’s voice.
Don’t turn a paper cut into a funeral, Liam.
My throat tightened.
“What was in the envelope?”
“I didn’t open it.”
“Never?”
“Not then.”
Detective Ruiz stepped closer.
“When did you open it?”
“After his funeral.”
Liam looked directly at me.
“There was a ledger. Handwritten. Account numbers. Dates. Initials. And at the top of the first page were two words.”
I already knew.
“Lake Mercer.”
He nodded.
My mind began moving automatically.
Numbers.
Patterns.
Possibilities.
It was the part of me Ethan had never understood.
Fear could slow my body.
But give me a financial mystery, and my mind became a room full of lights switching on.
“Foreign account?” I asked.
