Chapter 10 - The First Time I Said No

I called Roman.
Not Elena.
Not Julia.
Roman.
He answered immediately.
"What's wrong?"
It bothered me that he knew from my silence.
"Julia called."
His voice hardened.
"What happened?"
"The missing money."
Silence.
Then, "How much did she tell you?"
"Enough to know someone forged my authorization."
"I'm coming."
"No."
"Savannah—"
"No."
I heard him inhale.
"I need you to explain over the phone."
"This is not something—"
"Roman."
He stopped.
And then something important happened.
He listened.
"The transfer happened five days before Christmas," he said. "It went through one of our development escrow accounts. Marcus approved it. The second approval appears to have come from your shareholder trust credentials."
"I don't have credentials."
"I know."
"Does that help me?"
"Yes."
"How?"
"Because the IP address used to access your trust portal came from Carter Holdings."
"So someone at your company impersonated me."
"Yes."
"Why?"
"To move money without triggering a single-signature audit."
My mind raced.
"Where did the money go?"
"Three shell companies. We froze thirty-two million. Sixteen is still missing."
"Did Marcus steal it?"
"We believe so."
"And now he's gone."
"Yes."
I closed my eyes.
"What do police think?"
"Federal investigators are involved."
"Federal?"
"Interstate transfers."
I sat down.
"Am I in trouble?"
"No."
"Don't protect me."
"I'm not."
"Would you tell me if I were?"
His pause mattered.
"Yes."
"Then what do I do?"
"Call Elena. Preserve every device. Don't delete messages. Don't speak to investigators without counsel."
I looked at Margaret.
She nodded.
"Anything else?"
Roman hesitated.
"Yes."
"What?"
"You're going to want to blame yourself for not understanding the trust accounts."
My eyes filled.
He knew me.
"Don't."
I swallowed.
"The person who committed fraud is responsible for fraud."
I breathed slowly.
"Thank you."
The words surprised both of us.
Roman answered quietly.
"You're welcome."
The next forty-eight hours were brutal.
Investigators interviewed me.
Elena sat beside me.
I explained my financial ignorance with humiliating honesty.
No, I didn't know my trust login.
No, I hadn't reviewed proxy filings.
No, I didn't know what corporate escrow was.
One investigator, Agent Bell, asked, "Mrs. Carter, why did you give your husband this much authority?"
I stared at him.
"Because he was my husband."
Bell nodded.
No judgment.
That almost made me cry.
Digital records eventually proved I wasn't involved.
The login used for my authorization had been created through a cloned credential linked to Marcus's assistant.
My name disappeared from suspicion.
Roman's did not.
As CEO, he faced questions about oversight.
The board suspended him temporarily.
Roman Carter, who had not taken a real vacation in twelve years, suddenly had nowhere to go.
He still visited Evelyn exactly three times a week.
At first, he arrived in suits out of habit.
Then one Thursday he appeared wearing jeans and a navy sweater.
I stared at him.
"What?"
"You own jeans?"
"Apparently."
"Are they new?"
"No."
"Roman."
"Fine. Yes."
I laughed.
"You bought jeans because you're suspended?"
"I discovered I don't know what people wear at two in the afternoon."
"People?"
"Normal people."
"You're doing great."
He rolled his eyes.
Evelyn spit up on his shoulder.
I laughed harder.
"She's doing that on purpose."
"She's three weeks old."
"She has your personality."
I stopped.
That was something I'd once told Margaret.
Roman noticed my expression.
"What?"
"Nothing."
The memory passed.
Another trapdoor.
During that visit, he told me he'd started therapy.
I stared.
"You actually went?"
"You told me to."
"That's not a reason."
"I know."
"So why?"
He adjusted Evelyn in his arms.
"Because the therapist asked me why I was there, and I realized I didn't have an answer that wasn't about getting you back."
My chest tightened.
"And?"
"He told me if that was my only goal, therapy would probably fail."
"I like him."
"I don't."
"Excellent sign."
Roman smiled.
"I went back."
"Why?"
"Because I don't want Evelyn to learn love means managing someone."
That was not the answer I'd expected.
I nodded.
"Good."
He looked at me.
"I miss you."
There it was.
I looked away.
"I know."
"I won't ask you to say it."
"Good."
"But I do."
"Roman."
"Okay."
Again.
He stopped.
The restraint mattered.
It should not have mattered as much as it did.
A month passed.
January hardened Chicago into ice and gray skies.
I learned motherhood.
Not perfectly.
I learned Evelyn's hungry cry versus tired cry.
I learned showers could be luxuries.
I learned three consecutive hours of sleep could feel like a vacation.
I learned my mother's little house could hold more peace than Roman's estate ever had.
I also started attending Carter Holdings board meetings remotely.
The first one terrified me.
Nine men.
Three women.
All accustomed to Roman.
Then me.
"Mrs. Carter," one director began, "perhaps your attorney can explain—"
"No."
He stopped.
"I can."
My voice shook.
I continued anyway.
By the fourth meeting, it shook less.
Roman never coached me.
That impressed me.
He answered questions when I asked.
Nothing more.
The company recovered most of the missing funds.
Marcus remained missing.
Federal investigators tracked him through Canada, then lost him.
His assistant accepted a cooperation agreement.
According to her, Marcus had planned the scheme for nearly a year.
He believed Roman's growing distraction—my pregnancy, Claire, our marital problems—created the perfect opening.
The irony was cruel.
Roman's betrayal hadn't caused the theft.
But it had helped hide it.
One night in February, Roman called outside his usual time.
I almost didn't answer.
Then I did.
"Is Evelyn okay?" he asked immediately.
"Sleeping."
"Good."
"What's wrong?"
Silence.
"I resigned."
I sat upright.
"What?"
"As CEO."
"Why?"
"The board offered reinstatement next month."
"So why resign?"
"Because they're right."
"About what?"
"I built a company where everyone was afraid to challenge me. Marcus exploited that."
I didn't speak.
Roman continued.
"I thought control made things safe."
My throat tightened.
"It didn't."
"No."
"I don't know what I'm going to do next."
That admission from Roman was almost unbelievable.
"How do you feel?"
"Terrified."
"Good."
He laughed softly.
"That's cruel."
"A little."
"Also relieved."
"Then maybe it was right."
"Maybe."
A long silence.
Then he said, "Savannah?"
"Yes?"
"I signed the separation agreement."
My stomach dropped.
Elena had sent the final draft two days earlier.
I hadn't expected Roman to sign without negotiation.
"All of it?"
"Yes."
"You didn't change visitation?"
"No."
"The house?"
"It's yours if you want my share."
"Roman, that's not—"
"I know. Elena told me you won't accept it as a gift."
"Correct."
"So sell it."
I froze.
"The estate?"
"Yes."
"You really mean that."
"I do."
"Why?"
His voice softened.
"Because every time I imagine you there now, I see you standing in that kitchen asking me to stay."
My eyes filled.
"I can't live in a monument to the worst choice I ever made."
I had no response.
He added, "Use your half however you want. I'll donate mine."
"To what?"
"A foundation for financial independence programs."
I laughed through tears.
"That sounds suspiciously tailored."
"My therapist suggested I stop making guilt expensive."
"I really like him."
"I know."
We said goodnight.
I sat in darkness afterward.
The separation agreement was signed.
Roman had let the house go.
The company.
Control.
Pieces of the life he'd once guarded like territory.
And for the first time since Christmas Eve, I wondered what would happen if a man who built his identity around winning finally stopped trying to win me.
The answer arrived the next morning.
A courier delivered an envelope.
Inside were divorce papers.
Signed by Roman.
And one handwritten note.
If freedom is what you need from me, I won't make you fight for it.
I stared at his signature.
He had done the one thing I never believed Roman Carter could do.
He had opened the door.
May you like
Now I had to decide whether I actually wanted to walk through it.
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