Her Last Contingency — book cover

Her Last Contingency

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Mystery Romance Corporate Romance Real Love Romance Tragedy Romance

Garrett Bedford’s perfect life ends on a slick patch of tile and a fall down the stairs—at least, that’s what everyone says. But the day before she died, his wife Emily whispered, “If something happens, don’t trust anyone.” When a composed, enigmatic stranger named Ashley appears at the morgue claiming Emily was murdered, Garrett’s grief fractures into suspicion. Emily has left a trail: encrypted files, hidden drives, and a path straight into the heart of a pharmaceutical giant built on lies and lethal “miracles.” To follow it, Garrett must admit he never truly knew the woman he loved—and trust the only person Emily trusted more than him. As Garrett and Ashley dig deeper, attraction tangles with danger and loyalty. Exposing the truth could destroy a billion-dollar empire… or cost them their lives—and the fragile future neither expected to want.

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Chapter 1

The house was too quiet to belong to us.

After three days of casseroles on the porch and murmured condolences and the dull, paperwork rustle of death, I stepped back into the hallway and the silence felt wrong, like someone had turned down the volume on my life and left the picture running.

Emily’s scarf still hung from the hook by the door, soft gray wool draped over its own shadow. Her shoes were lined up neatly beneath the bench, toes precisely parallel. The dark stain on the bottom stair had already been scrubbed away by professionals, but my mind kept putting it back.

Accidental fall, the officer had said, all sympathy and procedural distance. These old houses, these narrow stairs. It happens.

If something happens, don’t trust anyone.

Her voice slid under the silence, as clear as if she were standing behind me. She’d said it yesterday morning—no, four mornings ago now—over coffee she hadn’t finished, eyes on her phone, tone light enough that I’d laughed and told her she was watching too many crime documentaries.

I hadn’t laughed at the morgue.

I dropped my keys into the ceramic bowl on the console table. The sound cracked the air, too loud. A part of me wanted to pick them back up and leave, go anywhere else. Back to the hotel where they’d stashed me while they cleaned the house. Back to the hospital chapel where I’d been when the chaplain had used the word widow and I’d thought she must be talking to someone behind me.

Instead I stood in the hallway and stared at the stairs.

“You don’t have to go in yet,” Lena had said when she’d driven me here and watched me fumble with the lock. “Take your time. Grief scrambles time. Days don’t have to make sense right away.”

I’d told her I was fine. I keep saying that. It’s easier than admitting I don’t know what I am.

I finally pulled my gaze from the stairs and walked toward the kitchen, shoes whispering over the hardwood. Someone had tidied. The smell of bleach threaded through the citrus of the cleaning products, through the stale coffee remnants in the sink. The fridge hummed. The clock over the stove ticked.

Death hadn’t stopped anything that could be plugged into a wall.

On the table sat a brown envelope with my name written in a looping, impersonal hand.

GARRETT BEDFORD.

For a heartbeat I thought of Emily—her handwriting was a compact, decisive script—then I noticed the police seal on the flap. I slid into the chair as if the envelope had pushed me.

Inside: copies of forms, the final report from the medical examiner, a list of personal effects. Her watch. Her wedding ring. A few notes about blunt force trauma, subdural hematoma. Words that, if you squinted, could be made to read accident. Words that I clung to because the alternative was unthinkable.

I set the papers down without really seeing them.

If something happens—

“Stop,” I muttered to the empty kitchen, pressing thumb and forefinger into my eyes until colors sparked. I was tired. The funeral was in two days. I needed to call Emily’s sister back, and my mother, and the insurance guy whose condolences had come with file numbers.

I needed to not think about her voice, or the way she’d kissed me before leaving for work that day, a quick brush of lips, her hand on my jaw a second too long as if she was about to say something and changed her mind.

The doorbell rang.

Sound knifed through the house. It wasn’t the soft, apologetic tap of neighbors. It was loud, insistent, impatient.

My stomach tightened. I pushed up from the chair, my knees briefly unsure. At the doorway, habit made me check my hair in the smudged side mirror. Pointless. I looked like what I was: unshaven, hollow-eyed, a man wearing the same sweater two days in a row because everything else smelled like her.

The figure on the porch was a silhouette behind frosted glass: tall, straight-backed, hands at her sides instead of clutching a casserole or sympathy card. Not a neighbor.

I opened the door a cautious six inches.

She was younger than I’d expected, late twenties maybe, though something about her gaze made the number feel wrong. Dark hair in a low ponytail, a navy coat belted at the waist, no makeup I could see. Her eyes were a precise, cool gray, and they flicked over my face like a scanner taking inventory.

“Mr. Bedford.” It wasn’t a question.

“I’m not doing interviews,” I said before I could stop myself. I’d already turned away two local reporters at the hotel.

“I’m not press.” She held up a hand, empty. No folder, no badge, no flowers. “I was at the morgue this morning. I spoke with Dr. Kline.”

The metal taste that had lived at the back of my throat since that room full of stainless steel and fluorescent light sharpened.

“At the morgue,” I repeated, as if I didn’t remember. As if the sight of Emily on that metal table in a zipped bag hadn’t carved itself into the backs of my eyelids.

“Yes.” She watched my reaction, and I hated that I noticed the details—the slight tilt of her head, the way her shoulders stayed square as if braced for impact. “I’m sorry. This is… a terrible time. But waiting won’t make it easier. It will only make it more dangerous.”

Dangerous.

Grief is a fog. That word cut through it.

“I think you have the wrong house,” I said, though my pulse had started to pick up, an unpleasant, jittery staccato. “Emily’s death was an accident. There’s nothing—”

“It wasn’t an accident.”

The words were blunt, dropped between us like a weight.

I flinched. “You don’t know that.”

She looked at me for a long beat, something almost like pity ghosting over her face and then gone. “My name is Ashley Rowe,” she said. “I knew your wife.”

If she had punched me, I don’t know that it would have been more effective.

“You… knew Emily.” The past tense stuck.

“Yes.” Her jaw tightened on the single syllable. “She asked me to look for you if—” She stopped, as if editing on the fly. “May I come in?”

Every instinct screamed no. Strangers, morgues, the word dangerous. If something happens, don’t trust anyone.

But Emily had said that, and this woman was here because of Emily, and my world had already tilted so far off its axis I wasn’t sure refusing would set it back.

I stepped aside.

She moved past me, bringing a faint scent of rain and some clean, unsweet soap. Her boots were dark and unscuffed. No hesitation in her stride. She went only as far as the edge of the hallway, though, and waited. Polite, but not deferential.

“You said you were at the morgue,” I said. “Why?”

“Because Emily asked me to identify her in case…” Her hand flexed once at her side. “In case you couldn’t.”

Air left my lungs in an uneven rush. “She never told me that.”

“She didn’t tell you a lot of things.” Ashley’s gaze took in the framed photos on the wall—beach holidays, birthdays, Emily laughing with her head tipped back. Her expression didn’t soften. “Not because she didn’t love you.”

I almost asked how she could be so sure, this stranger in my hallway. Instead I heard myself say, sharp, “And how do you know what she loved?”

A flicker of something sparked in those gray eyes. Pain? Annoyance? It was gone too quickly to parse.

“Because she trusted me.” She looked back at me. “She trusted me enough to plan for her own murder.”

I put my hand on the wall to steady myself. The word landed differently from dangerous. Heavier. More specific.

“She fell down the stairs,” I said, clinging to the official narrative like a railing. “The police—”

“The police saw a tidy scene and a grieving husband and a company that donates a lot of money to civic initiatives and chose the simplest answer.” There was no fever in her voice, only a measured, bitter certainty. “Emily worked for Nexthera, yes?”

The name sounded clinical in the air of my hallway. “Yes. Internal audit.” That was the line we used at parties when people’s eyes glazed over after the first two words.

“She was digging into their flagship drug’s clinical trial data,” Ashley said. “She was getting close to something that would have cost them billions. She knew they’d come for her. She just hoped…” Her voice thinned for the first time. “She hoped she could outrun it.”

My laugh came out shredded. “You expect me to believe that my wife was… what? Some kind of corporate spy?”

“I expect you to believe what she left behind.” Ashley nodded toward the interior of the house. “She built contingencies. There’s a reason she told you not to trust anyone. She didn’t say that casually.”

Heat crawled up the back of my neck. “You were eavesdropping on my kitchen now?”

“She told me.” The answer was quiet, almost absentminded, as if she was more focused on peeling back memories than on my sarcasm. “She was worried she’d spook you.”

“She did,” I snapped, then swallowed the rest, because the surge was too big, too messy. Anger, fear, a sharp shard of jealousy that made no sense. “You’re asking me to throw out everything I’ve been told in the last seventy-two hours based on the word of a stranger who shows up on my porch using her first name like you—”

“Like I what?” Ashley stepped closer, and I realized belatedly that we were nearly the same height. Her pupils were blown a little, adrenaline or something more fragile, I couldn’t tell. “Like I cared about her? Like I spent the last six months trying to help her not die?”

Six months. That number snagged.

“What are you?” I asked. “Her lawyer? Her… what?” I couldn’t bring myself to say friend. The word felt suddenly proprietary.

“I’m an investigator.” She exhaled, slow, as if deciding how much to disclose. “Contract. I work with whistleblowers. I used to work with the FDA, before Nexthera made that inconvenient.” Her mouth curved in a humorless half-smile. “Emily reached out to me last year.”

Last year. A different anchor caught. Emily not calling from the office one night, saying she had to stay late. Emily’s soft insistence that I didn’t need to pick her up, she’d get a ride with a colleague.

“She never mentioned you,” I said, the words small.

“Of course she didn’t.” A muscle ticked in Ashley’s cheek. “She was trying to keep you safe.”

The room seemed to tilt again, the ground undercutting every memory at once.

“Why should I believe you?” I asked. “Why now?”

“Because waiting puts a target on your back.” Ashley reached into her coat slowly and pulled out a slim, battered metal flash drive, dangling from a cheap black lanyard. She held it between two fingers like evidence. “Because this is the first breadcrumb, and you’re the only one who can follow it all the way.”

I stared at the drive. Somewhere in the background the fridge clicked off, taking its low hum with it. The silence pressed in.

“What is it?” My voice sounded unfamiliar, as if it belonged to someone overhearing us from another room.

“A partial copy of what Emily collected.” Ashley’s gaze didn’t leave my face. “Trial data. Internal emails. Payment records. Enough to prove this wasn’t a random fall. Not enough to bring Nexthera down without the rest.”

My hand twitched, wanting and unwilling to reach for it.

“This is insane,” I whispered. “You’re asking me to believe that my wife was murdered by her employer because of—because of spreadsheets.”

“They killed people, Mr. Bedford.” The controlled veneer in her voice cracked for the first time; emotion bled through, quick and fierce. “Patients who trusted them. Emily found out. She refused to look away. That’s who she was.”

I closed my eyes. For a moment I could see her at the kitchen table, laptop open, posture turned slightly away from me. I’d assumed she was just trying not to bring work home. I hadn’t pressed. I’d told myself married people didn’t need to know every password.

I had wanted to be the kind of husband who respected boundaries. Now all I could see were the edges of secrets.

“If you’re right,” I said slowly, “then talking to you is exactly what they’d expect me to do. Shouldn’t I be… I don’t know. Calling the detective? Getting a lawyer?”

Ashley’s lips thinned. “Detective Calloway has already signed his report. He’s not going to reopen this unless someone higher up forces him to, and Nexthera has friends higher up. As for lawyers—do you know any who’d take on a pharma giant pro bono against their legal army?”

I thought of the glossy brochures in Nexthera’s lobby, all soft light and smiling patients. Martin Caldwell shaking hands at the company gala, his pat on Emily’s shoulder proprietorial. Innovation for life, the tagline had said.

I thought of Emily’s body on a steel table and the way Dr. Kline’s hand had tightened briefly on mine before she’d stepped out to give me a minute alone.

“Maybe I should just… walk away,” I said, hearing the thinness of it. “Emily’s gone. If you’re right, then she lost. What good does it do to poke the bear while I’m standing in a glass house?”

Something like anger flared openly in Ashley now. “She didn’t lose. She ran out of time. There’s a difference.” She stepped even closer, invading my space without quite touching me. Her voice dropped. “Listen to me. They already know who you are. They know she was married. They know you saw her last. You can hide and hope your wife died for nothing, or you can finish what she started and make sure she doesn’t become a cautionary tale whispered under NDAs.”

The nearness of her was suddenly overwhelming—the sharp line of her jaw, the steady light in her eyes, the faint, exhausted tremor in her hand where it gripped the flash drive. Heat prickled under my skin, not attraction exactly, but the electric awareness of being pulled into someone else’s gravity.

“You talk like you owe her,” I said.

Ashley’s throat moved as she swallowed. For a second, all the steel dropped out of her expression; the rawness beneath was naked and startling.

“I do,” she said. “More than you know.”

The quiet that followed wasn’t empty. It was packed with everything she wasn’t saying.

If something happens, don’t trust anyone.

I realized with a dull, reluctant clarity that Emily’s last contingency had never been meant to protect me from strangers on my porch. It had been meant to prepare me for them.

“Fine,” I heard myself say. “Say I believe you. Say I take that drive. What happens next?”

Ashley held my gaze for another beat, as if testing the edges of my resolve. Then she pressed the flash drive into my palm, her fingers briefly, firmly closing around mine. Her skin was cooler than I expected, dry, steady.

“Next,” she said, “you plug this in and see how far down the rabbit hole your wife went without you. And then you decide whether you’re willing to follow her.”

I looked down at the small, unremarkable piece of metal biting into my hand.

When I looked up, Ashley was watching me with that same sharp, assessing focus. It felt like standing at the edge of a high place, wind in my face, no guardrail.

“Don’t take too long,” she added quietly. “You’re not the only one looking for what she left behind.”

The heartbeat I’d been pretending was steady finally stuttered.

“Who else?” I asked.

She glanced toward the front window, as if expecting headlights to lance through the blinds, then back to me.

“I’ll tell you,” she said. “After you’ve seen what’s on that drive.”

Her smile didn’t reach her eyes.

“If you still want answers then.”

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