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Chapter 5 - The Clock Approaching One

The headquarters of Cole Financial Holdings occupied the twentieth floor of a glass-and-granite tower on Washington Boulevard in downtown Stamford.

It was eleven-forty-five on a Thursday morning in late October.

The boardroom was built like a ship's bridge: twenty-foot floor-to-ceiling windows overlooking Long Island Sound, a thirty-foot table made of imported Brazilian rosewood, and sixteen high-backed leather chairs that smelled like new leather and corporate hubris.

Around the table sat eight men and two women.

At the head sat Harold Cole. He was seventy-three now, and the five years had not been entirely kind to him. His thick gray hair had gone thin and paper-white at the temples, his shoulders were slightly rounded beneath his immaculate grey wool jacket, and his hands had developed a tiny, subtle tremor that he tried to hide by keeping his thumb pressed firmly against his silver signet ring.

To his right sat Blake.

Blake was thirty-eight, wearing a double-breasted navy suit that had cost more than my first service van. He had gained fifteen pounds around his jawline, his face was slightly flushed from too many steak lunches on Atlantic Street, but his posture was still full of that loud, careless certainty that had defined him since high school.

Across from them sat three representatives from Crown Sentinel Holdings—the Manhattan mezzanine fund—led by a sharp-faced thirty-four-year-old vice president named Marcus Kane, who carried an iPad in a leather case and looked like he hadn't slept more than four hours a night since college.

"We have thirty minutes, Blake," Kane said, tapping his tablet screen with a pen. "The restructuring agreement needs to be executed before the wire transfer window closes at one o'clock. If the ten-million-dollar refinancing package isn't signed and submitted by then, the cure period expires, and your primary lenders in Hartford will issue a formal default notice on the Bedford Street note at one-fifteen."

"Relax, Marcus," Blake said, waving a hand airily and reaching for a glass of sparkling water. "The paperwork is clean. My father has already executed the personal guarantee extension on behalf of the Cole Family Trust. We're just waiting for our chief legal officer to finish reviewing the subordination schedule."

"The subordination schedule is fine," Harold said, his voice lower and grayer than it used to be, but still carrying that old, flat authority. "Cole Financial Holdings stands behind Apex. We've vetted the portfolio. The income projections for the third quarter show a twelve percent increase once the tenant improvements at High Ridge are complete."

"If those improvements are complete," Kane remarked, his sharp eyes flicking to Blake. "We received a report this morning from a local tenant committee complaining that the central HVAC system at High Ridge has been down for four days in sixty-degree weather."

"Minor maintenance glitch," Blake snapped, his voice tightening slightly. "A compressor seal blew out on Monday. We have a crew working on it now. It'll be back online by tonight."

"It won't be back online tonight," a voice said from the reception corridor.

The heavy glass door of the boardroom didn't swing open with a bang. It moved slowly, smoothly, on its heavy hydraulic pivots, sliding back until it clicked against the magnetic stop.

I stepped into the room.

I was wearing a dark gray charcoal suit—tailored, plain, with no designer labels on the sleeve—and a clean white shirt with no tie. My hair was short, trimmed clean around the ears, and my hands were scrubbed clean, though if you looked closely at the knuckles of my right hand, you could still see the pale silver scars from twenty years of working around copper heat exchangers and hot iron pipes.

Behind me, Harold's executive secretary—a woman who had worked for him for fifteen years and recognized my face the second I walked through the security turnstile—was standing with her hands clasped in front of her dress, her face pale.

"Mr. Cole," she whispered. "I... I tried to tell him you were in a executive session—"

"It's alright, Martha," I said softly, without looking at her. "Go back to your desk."

The boardroom was deathly quiet.

Blake had dropped his pen. It rolled across the polished rosewood table, making a faint clack-clack-clack sound before hitting the silver water pitcher and stopping.

Harold didn't move for three seconds. Then he slowly pushed his chair back, his heavy signet ring scraping against the wood, and stood up. He stared at me across twenty feet of gray carpet, his eyes wide, his mouth slightly open, as if he were looking at a man who had stepped out of an old frame in the basement.

"Ethan?" my father breathed.

Blake was the first one to recover his voice. His face turned from red to an ugly, mottled purple, his small eyes narrowing into hot slits.

"What the hell are you doing here?" Blake spat, standing up so fast his leather chair rattled against the window. "Who let you up here? Security—"

"Security is currently talking to two officers from the Stamford Building Department downstairs in the lobby, Blake," I said, my voice calm, level, and cool—the tone I used when I was explaining an electrical fault to a panicked building superintendent. "They're serving three immediate stop-work and occupancy revocation orders on the High Ridge Office Park, the Bedford Street commercial center, and the Atlantic Street medical building."

Blake let out a sharp, incredulous laugh. "You're full of it. You're a furnace repairman! You can't—"

"Sit down, Blake," Marcus Kane said sharply, his head snapping up from his iPad screen. He looked at me, his eyes instantly registering the dark leather folder under my arm and the plain, unhurried certainty in my posture. "Who are you?"

I didn't answer Kane immediately.

I walked down the length of the long rosewood table. My shoes made no sound on the heavy carpet.

I stopped directly across from Blake, placed my left hand flat on the cool wood, and reached into my coat with my right hand.

I pulled out a heavy yellow accordion folder—the one June had straightened on my workbench three nights ago—and laid it down flat on the table, right between Blake's sparkling water glass and his unsigned refinancing contract.

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The digital clock on the wall above the media screen read 12:42 PM.

"Eighteen minutes until one," I said softly.

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