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Chapter 5 - The Insurance

The morning of Friday, July 17th, was clear and bright, the sky over Harbor Regional Medical Center a pale, transparent blue that showed the thin white lines of the jet streams heading north.

Elena Vance stood in the lobby of the hospital, her right arm still bound in the black canvas sling, her left hand holding a small brown suitcase that Diane had brought from her office. She was wearing a simple grey cotton dress and leather sandals; her face was pale, but the swelling around her eye had gone down, leaving only a thin, dark line of yellow-green bruising along her cheekbone.

She did not look like an invalid. She looked like a woman who was leaving for a weekend in the mountains.

A black Mercedes SUV was parked in the driveway, its engine idling with a low, expensive purr.

Diane sat in the driver’s seat, her hands on the leather steering wheel, her eyes fixed on the entrance.

"The protective order was served at eight," Diane said as Elena climbed into the passenger seat, her ribs catching for a second as she pulled herself up. "Adrian was at the office. The deputies escorted him out of the building in front of his entire staff."

"Did he say anything?" Elena asked.

"He tried to call his mother," Diane said. "But her phone was off. Apparently, the bank had already notified her that her loan guarantee for his firm was no longer valid. She’s being sued by the state for the non-performance of his last highway project."

"And my parents?"

"They’re packing," Diane said, turning the car out onto the main road toward the Ravenel Bridge. "They’ve rented a two-bedroom apartment in Goose Creek. Your mother is telling everyone they’re 'downsizing' for the summer, but the movers said she’s been crying into her packing boxes since five in the morning."

Elena looked out the window.

The bridge rose up before them, a massive white structure of steel cables and concrete piers that looked like a giant sail caught in the blue sky. Below, the Cooper River was wide, green, and sparkling under the hot morning sun, the small white shrimp boats heading out toward the ocean.

She pulled her phone from her purse and opened the encrypted folder labeled: INSURANCE, TAXES, TRANSFERS.

Inside sat three PDF documents.

The first was a certified copy of the corporate operating agreement for Vance & Associates, LLC, showing her father’s signature on a page that had been modified in 2022 to give Elena ninety percent of the voting shares in the event of insolvency.

The second was a copy of the tax returns Adrian had filed for his firm in 2025, which she had secretly flagged for the IRS audit division three weeks ago. The automated notice of deficiency would arrive at his empty townhouse by Monday morning.

The third was a single photograph.

It had been taken by her personal investigator six months ago, through the window of a motel in North Myrtle Beach. It showed Adrian sitting at a table with a young woman—a junior clerk from the state department of transportation—his hand resting on her knee while a folder of confidential bidding documents lay open between them.

Elena tapped the screen, selected the third document, and hit: Send.

The recipient was the General Counsel of the State Department of Transportation.

"Where are we going?" Diane asked, her eyes on the road ahead as they crossed the crest of the bridge, the city of Charleston spreading out below them like a map of old brick and green trees.

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Elena turned her phone off, its black screen reflecting the bright, white light of the southern morning.

"To the lawyer's office," she said. "I have one more signature to remove."

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