Living

Chapter 5 - Calamity in the Tropics

The midday sun beat mercilessly down on the glittering infinity pool at the Ocean Club resort in Nassau. Chloe Sterling adjusted her oversized Dior sunglasses, lounged back against the plush cabana cushions, and waved a diamond-encrusted hand to attract the cabana boy.

"Another round of passionfruit mojitos," she commanded, not bothering to look at the young Bahamian server. "And bring extra crushed mint this time. The last ones tasted like tap water."

Beside her, Austin was sprawled out on a teak lounger, his face flushed pink from too much rum and too much sun. He was wearing two-hundred-dollar swim trunks and a smug expression. He checked his gold Rolex—a graduation gift paid for by his father that he had never bothered to say thank you for.

"I’m telling you, babe, it’s a goldmine," Austin said, picking up his iPad to look at satellite images of his mother’s estate. "The zoning board in Oakridge is desperate for high-density luxury townhomes. We knock down Dad’s old brick relic, clear the three acres of woodland out back, and subdivide the parcel. We could easily clear three million in pure profit after construction loans."

Chloe turned toward him, a sharp, calculating smile on her lips. "And what about your mother? Where does she go?"

Austin waved a dismissive hand through the humid air. "She can take a two-bedroom condo in Boca. Or a nice assisted-living villa where they organize bingo nights. She won’t care. She spent the last five years staring at Dad’s IV drip. She has zero ambition. She’ll do whatever I tell her to do."

"Well, she better not mess up with my cat," Chloe scoffed, taking a sip of her water. "If Sir Reginald gets mats in his fur because she forgot his grooming brush, I swear I’m going to lose my mind. That cat costs more than her entire wardrobe."

"Relax," Austin chuckled, reaching for his cigar. "Mom lives to serve us. It gives her purpose. She probably spent all morning cleaning their cages and baking cookies for when we get back."

At that moment, the resort waiter returned, balancing a silver tray with two tall cocktails and a leather folder containing the bill.

"Sign it to Room 402," Austin said without looking up from his tablet.

The waiter cleared his throat politely, shifting his weight. "I apologize, sir, but the front desk just sent this down. There appears to be an issue with the card on file for your incidental room authorizations."

Austin frowned, his sunglasses slipping down his nose. "What are you talking about? That's an unlimited American Express Black card."

"The system returned a decline code, sir. Code 04: Account Closed by Issuer."

Austin laughed loudly, an arrogant bark. "That's ridiculous. Your machine must be broken. Here, run this one." He plucked a corporate Visa from his leather wallet and tossed it onto the silver tray. "That should cover the tab and a very generous tip, provided you get out of my sunlight."

The waiter bowed stiffly and walked toward the cabana station. Austin shook his head, muttering under his breath about third-world credit card networks.

Two minutes later, the resort’s assistant manager, a tall man in a tailored linen suit with an earpiece, stepped onto the pool deck, accompanied by two private security officers.

"Mr. Austin Sterling?" the manager asked, his tone polite but chillingly firm.

Austin sat up, annoyed. "Yes? What is the problem now?"

"Sir, your second card has also been declined. Furthermore, our corporate billing department received an electronic stop-payment notice from Sterling Trust Capital regarding your entire suite reservation. As of twenty minutes ago, your six-night stay totaling fourteen thousand dollars is completely uncovered."

Chloe dropped her magazine, her sunglasses sliding down her nose. "Excuse me? Do you know who we are? We are VIP guests! My husband's family owns half of Miami!"

"I am well aware of the name on the reservation, ma'am," the manager replied smoothly, not blinking. "However, the primary trustee who authorized the initial deposit has frozen the parent account. Unless you can provide a valid, alternative form of payment right now, we will be forced to ask you to vacate the suite and settle your existing balance of seven thousand two hundred dollars immediately."

Austin’s face turned an ugly shade of purple. He scrambled to his feet, grabbing his iPhone. "This is an outrage! My mother probably forgot to transfer the quarterly dividend! I’ll call her right now and have this sorted out in five seconds!"

He dialed Theresa’s number.

*“The number you have reached has been disconnected or is no longer in service. Announcement 2-B-1.”*

Austin stared at the phone screen, his heart skipping a beat. He dialed again. The same mechanical, dead-eyed automated voice greeted his ear.

"Babe? What’s going on?" Chloe demanded, her voice rising an octave, attracting stares from the surrounding guests. "Why did the cards bounce? Austin, do something!"

Then, Austin’s phone began to vibrate violently. A flurry of notifications popped up on his screen like incoming artillery shells.

*EMAIL: Pet Paradise Luxury Resort - OVERDUE BALANCE NOTICE ($7,350.00).*

*EMAIL: First National Bank of Florida - NOTICE OF ACCELERATION: Mortgage Loan Default.*

*VOICEMAIL: Arthur Vance, Legal Counsel.*

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With trembling fingers, Austin pressed play on the voicemail.

***

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