“At first? Forty thousand.””
I nodded slowly.
“And then?””
“Another eighty.””
My stomach twisted.
“Another?””
He didn’t answer.
Robert did.
“One hundred and sixty thousand in total.””
I stared.
“That can’t be right.””
“It is.””
Daniel looked ashamed.
“I thought I could recover.””
“With what?””
“Profit.””
“You weren’t making profit.””
“No.””
“So what did you do?””
He swallowed.
“I started taking risks.””
“Gambling.””
“Yes.””
“How much did you lose?””
Daniel looked at the floor.
“About sixty thousand.””
“Your money?””
He didn’t answer.
“Whose money?””
Silence.
Robert closed his eyes.
“Some of it was business money.””
My heart sank.
I looked at Daniel.
“And the rest?””
He whispered.
“Some was from the line of credit.””
I suddenly understood.
The house.
The loan.
The restaurant.
Vanessa.
The photograph.
All of it was connected.
I walked toward the window.
Snow covered the lawn.
The same lawn where I had taken dozens of Christmas pictures.
The same lawn where Daniel had once knelt and promised me forever.
I touched the glass.
“Why didn’t you tell me?””
Daniel’s voice broke.
“Because I thought I could fix it before you ever knew.””
I turned around.
“That’s not why.””
“What?””
“You didn’t tell me because you were afraid I’d leave.””
He stared at me.
“Yes.””
I nodded.
“So you decided I was easier to keep if I didn’t know the truth.””
“That’s not fair.””
“It is exactly fair.””
I looked toward his mother.
“And the family knew?””
Margaret stiffened.
Robert answered.
“I knew some of it.””
I looked at Claire.
She said nothing.
“Did you know?””
Claire crossed her arms.
“I knew Daniel had money problems.””
“Did you know he was gambling?””
“I suspected.””
“Did you know about Vanessa?””
She looked away.
“Yes.””
My breath caught.
“When?””
“Months ago.””
I stared at her.
“And you said nothing?””
Claire’s expression became defensive.
“It’s not my marriage.””
I nodded slowly.
“No.””
I looked around the room.
“Apparently nobody’s marriage means anything when keeping a secret is more convenient.””
Margaret stepped toward me.
“You’re making everyone sound evil.””
I turned toward her.
“You slapped me tonight.””
Her face tightened.
“You were disrespectful.””
“You knew your son was drowning in debt.””
“He needed support.””
“You knew he was using me.””
“I did not know everything.””
“But you knew enough.””
Margaret went silent.
I looked at her.
“You told me this was his house.””
She said nothing.
“You told me I should ask permission before making changes.””
Nothing.
“You told me I should be grateful.””
Her lips parted.
“You knew.””
She finally whispered, “I knew the family owned the property.””
Robert corrected her.
“The family did not.””
Margaret glared at him.
“You know what I mean.””
“No,” Robert said.
“I don’t.””
I looked at Robert.
“Why didn’t you tell me before tonight?””
He sighed.
“Because I wanted Daniel to tell you himself.””
“How long have you known about the debt?””
“Nearly two years.””
My stomach turned.
“Two years?””
“Yes.””
“And you watched?””
“I confronted him.””
“And?””
“He promised to stop.””
Robert looked at Daniel.
“He didn’t.””
I looked at the photograph again.
“Is Vanessa the reason?””
Daniel shook his head.
“No.””
“Then why does she have an ownership agreement?””
“Because she loaned me money.””
“Why would she loan you money?””
“I told her I would repay it.””
“Did you?””
“No.””
“Then why is she still involved?””
Daniel looked away.
“Because she wants the property.””
The room seemed to tilt.
I gripped the edge of the table.
“What?””
Daniel swallowed.
“She wants the house.””
Robert’s expression hardened.
“No.””
Daniel looked at him.
“She has been threatening to sue.””
“For what?””
“Her investment.””
Robert stepped closer.
“What investment?””
Daniel looked at me.
“The money she put into the restaurant.””
I stared.
“Twenty-five thousand?””
“No.””
He shook his head.
“That was the first amount.””
“How much more?””
“Seventy-five thousand.””
My heart pounded.
“A hundred thousand?””
He nodded.
I couldn’t speak.
Then Robert said something that made all the pieces click into place.
“The house was the guarantee.””
I looked at him.
“For Vanessa?””
Robert nodded.
“Daniel promised her a security interest in the property.””
I closed my eyes.
My husband had not only risked our finances.
He had risked the home I legally owned.
Without telling me.
I opened my eyes.
“Did Vanessa know the house was in my name?””
Daniel hesitated.
“Yes.””
That answer cut through me.
“She knew?””
“She found out.””
“When?””
“Around six months ago.””
I looked at the photograph.
Six months.
The words on the back suddenly made sense.
*Before Emily finds out.*
I turned to Daniel.
“Why did she photograph you?””
“She wanted proof.””
“Proof of what?””
“That I promised her the house.””
I stared at him.
“You promised someone my house.””
“I didn’t know the title was protected.””
“You knew my name was on it.””
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