I found Maggie in the guest bedroom.

She was pale, weak, and terrifyingly thin beneath the blankets. When she opened her eyes and saw me, the relief on her face nearly broke me.

“Frank,” she whispered.

“I’m here,” I said. “Help is coming.”

She tried to sit up but couldn’t.

“Something’s wrong with me. I can’t think straight.”

Kevin appeared in the doorway and tried to explain.

I turned on him.

“Don’t say another word.”

The paramedics arrived minutes later.

At the hospital, the doctor told me Maggie had a dangerous amount of benzodiazepines in her system.

But Maggie had no prescription for them.

The levels suggested she had been given high doses over several days. Combined with poor nutrition, her body was starting to shut down.

“If she had gone another day,” the doctor said, “this conversation would be very different.”

Maggie was admitted to the ICU.

That night, she woke enough to tell me about the tea.

Every evening, Brittany had made her chamomile tea before bed.

Part 2

After the second night, Maggie became weak and confused. She tried to tell Kevin something was wrong. He only patted her hand and told her to sleep.

Her phone had fallen out of reach.

She couldn’t call me.

The next morning, Sergeant Patricia Ware from the Knox County Sheriff’s Office came to take my statement.

I told her everything: Kevin’s odd questions about our pension, Earl’s account, Maggie’s symptoms, and the nightly tea.

Kevin and Brittany came to the hospital that afternoon.

They acted concerned.

Too concerned.

When I mentioned the sedatives, Brittany quickly suggested Maggie might have accidentally taken something from their medicine cabinet.

Then I mentioned the tea.

For one second, something flickered in her eyes.

That night, I called an old FBI friend, Ray Dalton, now a private investigator specializing in financial records.

Two days later, he called back.

Kevin was drowning in debt.

Personal loans.

Private lenders.

Maxed-out credit cards.

Over $120,000 in consumer debt.

Then Ray told me something worse.

Six weeks before Maggie went to Knoxville, Brittany had called a life insurance company asking about claim timelines and beneficiary rules for a policy in Maggie’s name.

Maggie had a $400,000 policy.

Suddenly, everything was clear.