My mom left a note: “We took the savings for a cruise. You deal with Victor.” I found my stepdad helpless on the bathroom floor. As I called for help, he pressed his ring into my hand and whispered, “$3.2 million, Jenna… it’s time.”

She arrived carrying a laptop and two folders.

After closing the hospital-room door, she looked at me.

“Victor has given me permission to explain what you need to know.”

Victor held out his hand.

I returned the ring.

Natalie turned it until the engraved number caught the light.

“Three-point-two million isn’t an account number,” she said. “It was the original estimated value of Victor’s ownership interest.”