She frowned, the pen hovering.

“Rowena drowned in the bay.

The estate was settled a year later.” Then why, I asked her, is Duncan Apex still paying for a private patient under a shell company a decade later?

If Rowena is dead, the money should have stayed in the family trust.

Karina slid a pair of silver-rimmed spectacles onto her nose and looked down at her pad.

“The trust was dissolved nine years ago, Clara.