September, Irene thinks. End of summer, beginning of fall, students returning to the university, football games on Saturdays, Go, Hawks!

“He told me he was ready to retire; he wanted to go home to Iowa and be with you. The house you’d been renovating for years was finally finished and he wanted to enjoy it—throw parties, host holidays. He wanted to spend time with his mother, who was quite elderly. He wanted to travel to Denver to help his younger son manage the outdoor-supply stores. He wanted to fly to Houston to see his grandson. He’d had a wonderful run in the Virgin Islands, he said, and he was grateful for all Ascension had given him, but it was time for him to return home.”

Irene can’t believe it but her immediate thoughts are What about Rosie? What about Maia? Was he just going to leave them behind?

“I told him that wasn’t possible. I told him he was too deeply vested in the company to just walk away. I told him the smartest thing to do was not to breathe a word of what he’d shared with me to Todd. I told him to protect his assets and protect you.”

September was when Russ made his new will, changing the executor from Todd Croft to Irene. Irene is the only person I trust to do the right thing, he’d said.

“Russ listened to my advice but Stephen did not. He went to Todd and turned it into a test of wills. He said both he and Russ wanted out. He said there was nothing Todd could do to stop them. Todd was…furious. He pointed out that both Russ’s and Stephen’s fingerprints were all over incriminating deals, and if they left, Todd would go to the authorities. To his credit, Stephen called Todd’s bluff. He didn’t think Todd would sacrifice the company. He wrote up sophisticated NDAs and presented them to Todd, and, at that point, Todd changed his tack and said, ‘Fine, you sign the NDAs, you can walk away.’”

Irene’s breathing is shallow. She knows what’s coming. She knows this is the end. She should stop Marilyn now; she doesn’t need to hear any more. Marilyn can tell it all to the FBI, that’s fine, but Irene doesn’t want to hear the truth spoken. “Marilyn.”

“Do you want me to stop?” Marilyn says. “Now?”

“Is there any way…I’m just afraid…” She’s thinking of Baker and Cash. And Floyd. Ayers and the baby. She can’t put them in danger just because she wants to hear how the story ends. Furthermore, she already knows how it ends.

However, to stop Marilyn now is to destroy, in some sense, the integrity of her intentions. “If you continue,” Irene says, “will my family or I be in any danger?”

“When I leave here,” Marilyn says, “I’m going directly to the FBI. Todd is still in custody. His boat captain was released and, I heard, fled the country. Todd’s business was so sensitive that we weren’t able to hire a lot of support staff. It was Russ, Stephen, the Vickerses…and Oscar. You’re safe. Or you will be, I promise.”

Irene takes a deep breath. Half of her wants to ask Marilyn to leave—but that might be even more dangerous. “Go ahead.”

“Todd used Paulette Vickers to bug the villa and compromise Stephen’s phone, Russ’s phone, and even Rosie’s phone. Todd discovered that Stephen and Russ planned to meet with British authorities on January second on Tortola. They were traveling in Stephen’s private helicopter—he was an accomplished pilot. To make it seem like a holiday trip, Russ invited Rosie to Anegada. Stephen would fly them over, they would stay at the beachfront cottage owned by one of their shell companies, and then, the following morning, Russ would claim he had a work emergency. The three of them would fly to Tortola, Russ would put Rosie on the ferry back to St. John, and Russ and Stephen would go to their meeting. Todd knew all this. He asked Oscar Cobb to put explosives on Stephen’s helicopter.”

“Oscar?” Irene whispers.

“Oscar refused to do it. He knew what Todd was up to, knew that he was planning on killing Stephen, Russ, and Rosie. Oscar had been drinking, it was late on New Year’s Eve, they had a fight, Oscar told Todd to find some other fool to do his dirty work because Oscar was out and Oscar was going to put a bounty on Todd’s head with his friends over in St. Thomas. Todd told Oscar that he understood Oscar was angry, it had probably come time for them to split ways, new year and all that. He told Oscar he should come see me in the office the next morning, that I would give him his severance pay.”

Finally, Marilyn shows some emotion. Her eyes glass over. “Oscar and I had a nice relationship. He did a lot of bad things, I knew this, but I could see glimmers of goodness in him, and I think I might have been the only one. He trusted me, he called me ‘Mama.’ He got to my villa on Water Island before Todd, woke me up with his pounding on the door. He told me what Todd was planning to do and begged me to stop it. He said…” Here Marilyn’s voice cracks. “He said he’d called Rosie—he still had her number after so many years—to warn her not to go, but the call had gone straight to her voicemail. He begged me to call Russ.” Tears are fully rolling down Marilyn’s cheeks. Irene wants to offer the woman a tissue, but she’s afraid to move. “So, if I were a better person, this would be where I would tell you that yes, I did call Russ and that through my connections, I saved them, and that they are still alive on an island so remote it doesn’t even have a name.”

Still alive, Irene thinks. Despite everything, her heart yearns for this—not only Russ, but Rosie, too. Still. Alive. Baker and Cash would have their dad back, Floyd his grandpa. Huck would have his daughter back. And Maia. What Irene wishes for most of all is for Maia to have her mother back.

Now that Irene knows what she knows, might it even be possible that she and Rosie could have been friends? Or was that just a hopeless fantasy?

“I’ve had dreams,” Irene says, “vivid dreams, where Russ is alive.”

“I was not a better person,” Marilyn says. “I was the same pathetic, dutiful coward I’ve been since the day I married Todd. I kept Oscar in the office, comforting him, when I should have been telling him to run for his life. Todd showed up with a gun and took Oscar to Bluebeard. I knew I would never see Oscar again, and I had an idea that I would never see my husband again. There was no way he could stay in the Virgin Islands after he killed Oscar. Oscar knew too many dangerous people.” Marilyn wipes a finger under each eye. “Todd filled Bluebeard with documents incriminating Russ and Stephen. Then, with the captain’s help, he tied Oscar up, shot him, and tossed him overboard as soon as they were on the open sea, and he took off for Venezuela.” Marilyn takes a breath. “Todd has a girlfriend in Venezuela, girlfriends everywhere, but the most important thing is that Venezuela has no extradition laws. I think he dreamed of a life on Margarita Island with Gloriana—and he almost made it. I think part of him enjoyed the chase, to be honest. But it was the chase that got him arrested. Todd called me to let me know he’d been taken into custody and that I was to destroy all the incriminating documents in the safe on Water Island—Todd’s offshore account information, payouts from the sensitive deals, correspondence from Todd to these clients. That had been our contingency plan for years.”

“But you didn’t do it?”

“I did the opposite,” Marilyn says. “I made copies of everything.”