Living

Chapter 6 - The Paper Trail of a Monster

By morning, the third floor of Westchester Medical had turned into an operational annex for the State Police Financial Crimes Unit.

Greer had brought my work laptop from my apartment, along with two external drives containing our firm’s proprietary risk-modeling software. Even with half my face covered in medical mesh and an IV pole tethered to my wrist, my mind was running at peak efficiency. Numbers don't lie. Unlike mothers, unlike sisters, numbers have no vanity.

"Look at this transaction history," I said, pointing my unbandaged right hand at the glowing screen. Detective Miller and an investigator from the state attorney general’s office, a sharp-eyed woman named Harris, leaned over my bed.

"This is the bank account for *Mercer Media LLC*," I explained, scrolling through the spreadsheet Greer had extracted from the subpoenaed cloud records. "Six weeks ago, Evan took out an accidental disfigurement and disability policy on me."

Detective Miller’s jaw tightened. "On you? How does a brother-in-law take out insurance on you without your signature?"

"He didn't do it as my brother-in-law," I replied, pulling up a scanned PDF of the policy agreement. "He listed me as an 'essential independent contractor' for their production company. He claimed I was their lead risk consultant for a high-risk docuseries they were filming. The policy was underwritten by an offshore secondary carrier out of Bermuda."

"The payout?" Investigator Harris asked.

"One point two million dollars," Greer said flatly. "Payable upon 'permanent catastrophic facial disfigurement or loss of sensory function occurring during the course of principal photography.'"

The air in the room felt heavy, almost toxic.

"They didn't just want the viral footage for a reality pilot," Miller realized aloud. "The reality show was the cover story. The views were just the icing. They were insolvent. Evan was facing three civil fraud suits from his previous investors. Sybil was facing prison time for draining the trust before Sloan’s thirty-fifth birthday."

"They needed a massive, untaxable cash infusion before the end of the second quarter," I added, the cold actuary logic settling over the horror of what had actually been done to me. "If Fallon threw a 'drink' during what appeared to be a spontaneous, recorded family argument, and the drink turned out to be contaminated by an 'unforeseen chemical reaction' or a 'bad cosmetic product,' it would be classified as an on-set industrial accident."

"And the insurance policy would pay out directly to Mercer Media," Harris finished. "And Sloan, being the victim, would receive a standard third-party settlement, while Evan and Fallon walked away with the bulk of the company payout."

"Except Evan couldn't risk it being a mild burn," I said, my voice hardening. "A first-degree burn doesn't trigger the catastrophic clause. The policy required full-thickness dermal necrosis. It required third-degree burns."

"That’s why the DMSO was added," Miller said, his knuckles turning white as he gripped the edge of my bed. "He needed the chemical to penetrate deep enough to destroy the tissue before the paramedics could wash it off."

"And Fallon?" I asked, my voice wavering for the first time since the night began. "Did she know about the insurance policy?"

Miller reached into his pocket and pulled out an audio recorder.

"We seized Evan’s Apple Watch when we booked him," Miller said. "He had a habit of voice-recording all his production meetings to use as material for his scripts. Listen to this. It was recorded forty-eight hours ago in the bridal suite."

Miller hit play.

The tinny, unmistakable sound of Fallon’s voice filled the hospital room:

*"...what if it gets in her eye, Evan? If she goes blind, she won't be able to sign the settlement papers."*

Then Evan’s response, smooth, chillingly calm:

*"She won't go blind, babe. You aim for the cheek and the neck. Just make sure you step into the light before you throw it. If the cameras don't catch the arc of the liquid, the insurance adjuster will say it was off-camera staging. We need the throw clean. One take. That’s all we get."*

And then Fallon, laughing:

*"Fine. But tell the makeup artist to keep my foundation light. I need to look pale when I start crying for the cops."*

The recording clicked off.

I sat there in the silence of the room, looking down at my hands.

There was no grief left. There was no sadness. The family I had spent fifteen years trying to protect, trying to finance, trying to keep out of prison and debt, had never existed. I had been living with predators who wore my father’s name.

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"Detective," I said, looking up at Miller. "Where are they holding her right now?"

***

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