“He was so meticulous,” I heard Julian say. His voice was different now—no longer the soft, cultured purr he used at the funeral. It was cold. Professional. “He thought he could take the secret to the grave.”

“He didn’t know I was watching,” Chloe replied. There was a chilling edge to her voice. “I saw him out here the night before the heart attack. He wasn’t gardening, Julian. He was burying the ‘insurance policy’.”