“Yeah, you do,” Tilda says. “Because look.”

Ayers turns to see Mick and Brigid walking into La Tapa, hand in hand. Clover, the hostess, leads them over to Table 11, in Ayers’s section.

“No,” Ayers says. “Not happening. No way.”

“I’ll take them,” Tilda says. “You can have Table 2. It’s the Hesketts. You’re welcome.”

“Thank you,” Ayers says. The Hesketts own a boutique hotel in Chocolate Hole called St. John Guest Suites; they’re lovely people, with excellent taste in wine. It’s a good trade, and very kind of Tilda, although a part of Ayers, of course, would like to wait on Mick and Brigid and dump some food—ideally the garlicky paella for two—right into Brigid’s lap. She’s wearing white.

What is Mick thinking? And why isn’t he working? It’s New Year’s Eve, he’s the manager of the Beach Bar, it will be mayhem down there, even now at a quarter to ten. How did he get the night off? The owners never give him holidays or weekends off. And why isn’t Brigid working? Why did they choose La Tapa for dinner when they both know Ayers would be here? Are they looking for trouble? Because if they are, they found it. Ayers’s nostrils flare and she paws at the ground with one clog like an angry bull.

She steps into the alcove by the restroom, pulls out her phone, and texts Rosie. Where are you? Please come save me. Mick and Brigid are here at La Tapa for second seating!

A few seconds later, there’s a photographic response—a table set for two with a bottle of Krug champagne in an ice bucket.

In the background is the Caribbean, scattered with pinpricks of light—boats heading over to Jost Van Dyke for the invitation-only Wheeland Brothers concert. It has been rumored that Kenny Chesney might sit in for a song or two.

Ayers studies the picture, trying to get an idea of where the Invisible Man’s house is. Looks like somewhere near Cinnamon Bay. Rosie refuses to disclose exactly where the Invisible Man lives or even tell Rosie his name. He’s very private, Rosie says. His business is sensitive. He travels a lot. Apparently the house is impossible to find. There are lots of places like that on St. John. Rosie stays with the Invisible Man when he’s on-island, but otherwise she and her daughter, Maia, live with Rosie’s stepfather, Huck, the fishing captain, who owns a house on Jacob’s Ladder. It’s a strange arrangement, nearly suspect, and yet Rosie seems content with the way things are. Once, after service, when Ayers and Rosie were drinking upstairs at the Quiet Mon, Rosie confided that the Invisible Man paid for all of Rosie and Maia’s living expenses, including Maia’s tuition at Gifft Hill School.

Ayers makes it her New Year’s resolution to find out more about the Invisible Man—at the very least, to figure out where he lives.

She tucks her phone away and heads out to the floor to studiously ignore Mick and Brigid and to hear which fabulous wine the Hesketts are going to end their year with.

After her shift, Ayers greets the new year with a bottle of Schramsberg sparkling rosé, sitting on the west end of Oppenheimer Beach. Because of the wind, she can actually hear the music floating over from Jost. There’s a group of West Indians down the beach, drinking on the porch of the community center. At midnight, they sing “Auld Lang Syne.” Ayers texts Rosie. Happy New Year, my friend. Xo.

Rosie responds immediately. Love you, my friend.

At least Rosie loves her, Ayers thinks. That will have to be enough.

It’s ten o’clock the next morning when there’s a pounding on Ayers’s door. She hears Mick’s voice. “Ayers! Wake up! Open up! Ayers!”

She groans. Whatever he wants, she doesn’t have time for it. He sounds upset. Maybe he got fired, maybe Brigid broke things off, maybe the new year brought the crystal-clear realization that the biggest mistake he ever made was letting his relationship with Ayers go up in smoke.

Ayers rises from the futon and staggers toward the front door. Her head feels like a broken plate. After the Schramsberg on the beach, there had been some shots of tequila here at home, as well as a forbidden cigarette (she quit two years ago but keeps a pack stashed on top of her refrigerator in case of emergency). She needs a gallon of very cold water and fifty Advil.

She swings open the door. There’s Mick, with tears streaming down his face. The sight renders Ayers speechless. Mick is a douche bag. He doesn’t cry. Ever.

“What?” she says, though it sounds like more of a croak.

“Rosie,” Mick says. “Rosie is dead.”

CASH: DENVER

After meeting with his accountant, Glenn, at Machete Tequila + Tacos, it becomes clear that Cash is going to lose not only the Cherry Creek store but the one in Belmar as well. All Cash can think is: Thank God.

Now he can go back to being a ski bum.

He hadn’t really wanted to go into business in the first place, but he had grown tired of receiving envelopes in the mail from his father, with newspaper clippings meant to be encouraging and helpful about young men “just like you” who had stumbled across a way to turn their life’s passions into income-generating ventures. Russ was also keen for Cash to “finish your education,” and so sometimes the envelopes included advertisements for online college courses or the myriad offerings for nontraditional students at the University of Iowa. You could live at home! Russ wrote, and Cash would picture himself trapped with his parents in the suffocating ornateness of their Victorian house. Because Russ was so rarely home, Cash suspected that Russ’s true motivation was to have Cash care for his mother and grandmother, chauffeur them to the Wig and Pen, play Bingo with Milly and the other extreme-elders at Brown Deer. No thank you. When Cash talked to his father on the phone, Russ would end each conversation by gently pointing out that sooner or later, Cash was going to need to think about health insurance, a retirement fund, having an infrastructure in place so he could start a family.

Like your brother.

Russ had never actually uttered this phrase, but Cash heard it as the subtext. Cash wanted to point out to his father that while Baker used to work the Chicago futures market, and while he used to make a ton of money, he now sits at home in Houston, day-trading in his boxer shorts and smoking more weed than Cash could ever hope to get his hands on in Colorado, where weed is legal. Baker only has two claims to actual legitimacy: He cares for his four-year-old son, Floyd (although Floyd goes to Montessori school every day from eight thirty to three), and he keeps house for his wife, Dr. Anna Schaffer, who has turned into a legitimate Houston superstar. She’s the Olajuwon of the cardiothoracic surgery scene.

Cash lets Glenn, the accountant, pick up the tab for the four Cadillac margaritas and order of guac—fifty-seven bucks—and then the two men walk out to the parking lot together. Cash wonders if he will be able to keep his pickup with the name of the store—Savage Season Outdoor Supply—painted on the side. It’s an eye-catching truck, made even more gorgeous with his golden retriever, Winnie, in the back.

He fears the truck will be repossessed, like the stores. The bank is coming in the morning. Right now, he needs to go to both stores and empty the registers. There is two hundred and forty-five dollars in the Cherry Creek store and a hundred and eighteen dollars in the Belmar store. This and Winnie are all Cash has left to his name.

He has a rental apartment on 18th Avenue in City Park West but he hasn’t paid his rent for January so he envisions a middle-of-the-night pack up and escape to Breckinridge. Jay, who runs the ski school, will be thrilled to have Cash back. Unlike every other twenty-something kid in the Rocky Mountains, Cash knows how to ski as well as snowboard. This means Cash can teach the trophy-wives-of-tech-moguls who want a hot instructor way more than they want to make turns, and it also means huge tips from the moguls who want their ladies taken care of while they go ski the horseshoe bowl on Peak 8.

It’s all going to work out, Cash thinks. Losing the stores is just a bump in the road.

As Cash turns onto Third Street, he puts both of the truck’s windows down. Winnie automatically sticks her head out the passenger-side window and Cash stick his head out the driver’s side.

He’s free!

No more standing behind the register selling Salomon boots to some Gen Z executive in from Manhattan who says he’s heard hiking Mount Falcon is “lit,” no more biting his tongue to keep from telling Executive Boy Wonder that he could hike Mount Falcon in the Gucci slides he came in wearing. No more worrying about inventory or deliveries or if Dylan, the kid Cash hired to “manage” the Belmar store, was filching from the register in order to pay his oxy dealer.