The day after Halloween, Jane meets with the chief and other members of the police force. They look over the transcripts from the two burner phones and form a theory. The perpetrator was upset that Lauren broke things off and came to her house. She promised to let him in so he wouldn’t make a scene and then he murdered her. The final text from the burner phone—the one Simon sent in the first chapter—seems to be a suicide note.

In September, Vicky meets with Christian again. He shows her a risky investment option that could make her a lot of money, but also tells her he will put together a low-risk portfolio for her if she wants. He doesn’t normally make these exceptions, but he says he will do so in this case because he likes her. Vicky responds by telling him to let his assistant go home early and then starting to unbutton her dress.

After sex, Vicky and Christian discuss the trust. Christian promises he can get her access to the money without Simon’s approval, and she tells Christian she doesn’t want to hurt Simon. They agree to continue the relationship, and Vicky leaves, thinking to herself that it is best to leave Christian wanting more.