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Chapter 3 - Chapter 3: Collateral

The apartment was wrong.

Ethan Cole felt it the moment he stepped inside—not as fear, not even suspicion in the ordinary sense, but as a professional irritation. The air smelled too neutral. The furniture was positioned to suggest warmth without offering any. A framed landscape hung above the couch, perfectly centered, the kind of decoration that existed only to convince strangers that someone lived here.

No one lived here.

Ethan locked the door behind them and kept his hand on the knob for a beat, listening through the wood.

Rain. Distant traffic. The faint elevator hum from the building's core.

And—barely—an irregular clicking sound from somewhere above the living room ceiling.

He didn't look up yet. He didn't need to. He stored it.

Lena Hart stood near the entryway, eyes tracking the corners the way his did. She didn't look like a woman who had just been dragged out of an attempted abduction. She looked like someone who had spent years learning how to stand in storms.

"You brought me here?" she asked.

"It's temporary," Ethan said.

"Temporary like 'ten minutes' or temporary like 'I'll never sleep again'?"

Ethan didn't answer the sarcasm. He moved into the living room, scanned the window, then the hallway. He didn't sit. He placed himself where he could see the front door and the window reflection at once.

Lena watched him.

"Do you always inspect rooms like you're expecting a bomb?" she asked.

"Only when it's likely," Ethan replied.

She exhaled slowly, as if she'd been holding her breath since the hotel. "Then say it. What's going on?"

Ethan made a decision: give her enough truth to keep her cooperative, not enough to compromise his own leverage.

"You worked for Meridian Systems," he said.

Lena's expression tightened. Not surprise—recognition.

"It's gone," she said quickly. "Shut down. Dissolved."

"Quietly," Ethan replied. "Overnight. No lawsuits. No press. No employee statements."

"It wasn't my company."

"I know. But you weren't just a consultant."

"I was," she snapped. Then her voice lowered. "I was. I did contract work. Data modeling."

"What kind?" Ethan asked.

Lena hesitated—one fraction of a second too long.

"Risk forecasting," she said. "Pattern analysis. Systems that predict… outcomes."

Ethan nodded. "They told you it was for logistics. Disaster response. Fraud detection. Something like that."

She looked away. "It could have been."

"It wasn't."

Lena's jaw clenched. "I didn't build a weapon."

"Maybe not intentionally," Ethan said. "But someone did. And now they're cleaning the room."

"Cleaning the room?" she repeated.

"People connected to that division are disappearing," Ethan said. "Two are dead. One vanished last week. And tonight, you."

Lena's hands curled into fists. "If they want me dead, why didn't they just—" She cut herself off, realizing the stupidity of the sentence. The hotel scene had already answered it.

Ethan watched her work through the fear without letting it take her.

"Why am I alive?" she asked again, quieter.

"Because you're useful," Ethan said. "You're leverage. Or bait."

Her face went pale. "Bait for who?"

Ethan felt the clicking sound again—faint, irregular. Not a mechanical fan. Not pipes.

He finally looked up at the ceiling seam above the living room. Nothing visible. That didn't matter.

He raised one finger.

Lena froze.

Ethan moved to the kitchen with the calm of someone who didn't want to spook prey. He opened a drawer, found a cheap paring knife, and slid it across the counter to Lena.

Her eyes flicked to it. "Is that supposed to help?"

"It's supposed to make you feel less helpless," Ethan said. "Keep it close. Don't wave it around."

"You talk like you've done this before."

"I have."

The lights flickered once.

Ethan's head snapped toward the window.

Not because the flicker mattered. Because he'd seen the timing: the click overhead, then the flicker. Signal. Coordination.

"Down," he said.

Lena didn't argue. She dropped behind the couch as Ethan moved to the far wall, pulling the curtain an inch to scan the street.

Nothing obvious.

Then the window exploded inward.

Glass sprayed across the living room like shrapnel as a suppressed crack punched the air. Ethan moved before the sound finished. He grabbed Lena by her coat and dragged her low across the carpet.

A second shot shattered the lamp. The bulb popped with a sickening flash.

Sniper.

Ethan didn't need a system to know it, but his phone vibrated anyway, the Guardian System overlay snapping to life in his peripheral vision.

[THREAT ASSESSMENT ACTIVE]

[PROBABILITY OF LETHAL ENGAGEMENT: 96%]

[SHOOTER ANGLE: NORTHWEST]

[RECOMMENDED ACTION: EVASION]

Ethan ignored the recommendation for one second—just long enough to confirm the shooter's discipline. No rapid follow-up. No panic fire. The shooter was waiting for movement.

Which meant they weren't trying to kill Ethan.

They were trying to force him to move Lena into a funnel.

Ethan cursed under his breath.

"Stairs," he said. "Now."

They crawled into the hallway as a third round punched through the couch, sending stuffing into the air. Lena's breath hitched but she didn't scream. Good.

Ethan kept a firm grip on her sleeve, not her wrist—less controlling, more guiding. People fought wrists.

They hit the stairwell door. Ethan shoved it open, and they ran down.

Not up.

They didn't stop until the fifth floor, where Ethan forced them out into a service corridor and through a door marked EMPLOYEES ONLY. The hotel smell vanished, replaced by damp concrete and chemical cleaners.

Lena leaned against the wall, shaking. "Who—who was that?"

"Someone with a long lens and a clean conscience," Ethan said. "Which is rare."

"That's not funny."

"It wasn't meant to be."

He moved to a small utility closet, cracked it open, and scanned inside. Empty. He guided her in anyway and shut the door to a narrow slit. Darkness swallowed them, broken only by the green glow of an exit sign bleeding through the gap.

Lena's voice dropped. "Why are we hiding in a closet?"

"Because if they're sniping, they've got eyes outside," Ethan said. "But snipers are never alone. They need spotters. They need timing. They need a team inside."

Lena's breathing steadied. "You think someone in the building is helping them."

"I don't think," Ethan replied. "I assume. It keeps people alive."

He checked his phone. The system interface pulsed, clean and cold.

[OBJECTIVE: PROTECT ASSET]

[NEW VARIABLE: THIRD-PARTY INTEREST DETECTED]

[REWARD PENDING: SKILL UNLOCK]

Third-party again.

Ethan didn't like variables he couldn't map.

He listened.

Footsteps. Two sets. Slow. Confident. Not hotel staff.

Lena heard it too. Her hand drifted toward the paring knife. She held it low, like she'd actually used one before.

The footsteps stopped outside the closet.

A soft knock.

Then a voice, calm, amused. "Lena. We don't have to do this the hard way."

Lena's face went rigid.

Ethan watched her reaction and cataloged it.

She knew the voice.

He opened the closet door violently, stepping out fast enough to steal the initiative.

Two men stood in the corridor. One wore a dark jacket and carried himself like an ex-cop. The other was younger, leaner, with an earpiece and a concealed bulge under his coat—weapon.

Behind them, another man stepped into view from the hallway corner as if he'd been waiting for his cue.

He was dressed too well for this building. Tailored coat. Crisp collar. No umbrella, no concern for rain. His hair was styled like he hadn't been anywhere near danger in his life.

But his eyes were sharp.

The man smiled at Ethan like Ethan was a minor inconvenience.

"Ah," the newcomer said. "So they did send someone."

Lena's voice tightened. "Dylan."

So that was his name.

Dylan's smile widened, pleased by her recognition. "Still so direct. That's always been your best trait."

Ethan stepped forward half a pace, blocking Lena's line of sight.

Dylan's gaze flicked over Ethan—fast, dismissive—then returned to Lena. "Come with me. I can end this before it gets uglier."

Lena's jaw clenched. "You're the one who sent them."

Dylan sighed, like she'd disappointed him. "I didn't send 'them.' I hired professionals. The people at the hotel were amateurs, clearly. You handled them."

Ethan's eyes narrowed slightly.

This man wasn't rattled by violence. He spoke like violence was a procurement choice.

"What do you want?" Lena asked.

Dylan's tone remained light. "A conversation. A laptop. A set of files. Your cooperation. Pick any order you like."

Lena's fingers tightened on the knife. "I don't have anything."

Dylan's smile finally thinned. "Lena. Don't insult me. Meridian didn't 'hire' you for your résumé."

Ethan watched Dylan's body language. No adrenaline. No fear. Which meant he wasn't here to fight.

He was here to exercise authority.

That was more dangerous.

Ethan spoke for the first time. "She's not going anywhere."

Dylan turned to him as if noticing a chair that had begun talking. "And you are?"

Ethan didn't offer his name.

The ex-cop type shifted his weight, readying.

Dylan's eyes flicked to the movement and he raised one hand—an elegant, lazy gesture. The guards stopped.

Interesting.

Dylan controlled them with ease. This wasn't just money.

It was habit.

He took a step closer to Ethan, stopping at a distance that was respectful only if you didn't understand threats. "You're being paid to play hero," Dylan said softly. "That's admirable. But you're out of your depth."

Ethan held his gaze. "People who say that usually die first."

Dylan chuckled. "You think this is about killing? No. Killing is messy. Killing creates questions. I'm here to solve a problem cleanly."

He angled his head toward Lena. "Last chance. Come with me, Lena, and nobody else has to get hurt."

Lena stared at him, hatred and fear colliding. "You already hurt people."

Dylan's expression cooled. For the first time, the mask slipped. "I did what was necessary."

Ethan didn't wait for the conversation to degrade further.

He moved.

Not a dramatic lunge. A simple step that became a strike. His hand snapped out, not to punch Dylan—too obvious—but to hook Dylan's wrist and pull him forward, off balance, into Ethan's space.

The younger guard reacted, reaching for his weapon.

Ethan's knee drove into the guard's forearm as it came up, pinning the arm against the wall. The weapon clattered to the floor.

Ethan's elbow came down on the guard's collarbone. The guard collapsed with a grunt.

The ex-cop swung at Ethan's head.

Ethan ducked, rotated, and slammed the man into the utility door hard enough to rattle the hinges. The man's breath exploded out of him. Ethan followed with a short strike to the jaw.

Down.

Dylan stumbled back, eyes wide now, not from fear— from outrage. "Are you insane?"

Ethan's voice stayed flat. "I'm efficient."

The Guardian System pulsed with a restrained chime.

[COMBAT RESPONSE: TEMPORARY BOOST ACTIVE]

[SKILL UNLOCK AVAILABLE: ACCEPT?]

Ethan didn't even glance at the prompt. He didn't need new tricks to win this.

Dylan's composure cracked, replaced by anger. "Do you have any idea who you just put your hands on?"

Ethan looked him up and down. "A man who thinks money is armor."

Dylan's lips curled. "I can ruin you."

Ethan took one slow step forward.

Dylan took one slow step back.

That alone told Ethan everything he needed: Dylan had never been hit by consequences before.

Lena emerged from the closet, knife still in hand. Her voice was cold. "You said you wanted files. You don't get them."

Dylan's eyes snapped to her. "Lena. Listen to me. You don't understand what you're holding."

"I understand you killed people for it," she said.

Dylan's jaw tightened. "I didn't kill anyone. I hired people. There's a difference."

Ethan almost smiled. "That's the most pathetic thing I've heard tonight."

Dylan's face went pale with rage. He lifted his hand toward his earpiece. "Plan B."

Ethan's blood cooled.

Plan B meant the sniper.

A fourth shot cracked through the corridor wall, punching a hole the size of a coin a foot from Lena's head. Concrete dust puffed into the air.

Lena flinched.

Ethan didn't.

He grabbed her shoulder and shoved her back into the closet, slamming the door shut as another round snapped through the hallway light fixture. Sparks rained down.

Ethan dove behind a pillar, eyes tracking the bullet impacts. The shooter had line of sight through a window at the end of the corridor. Narrow angle. Limited.

Dylan shouted over the chaos, voice harsh now. "Bring her out, Ethan. You can walk away. You can take your money. You can pretend this never happened."

Ethan didn't respond.

He moved.

He sprinted low toward the window, using the corridor's blind spots. The sniper fired again, but the angle was off. The round hit the floor, skidding fragments across Ethan's boots.

Ethan reached the window and yanked the curtain aside.

Across the street, on a rooftop edge, a figure lay prone behind a low wall. The rifle barrel glinted in the rain.

Ethan lifted his handgun and fired twice.

Not to kill—too far, too uncertain—but to force movement.

The figure jolted, rolled, and disappeared from sight.

Ethan turned back to Dylan.

Dylan was already retreating, backing into the hall with the smooth panic of a man who'd never had to fight for himself.

Ethan stepped forward.

Dylan raised both hands, palms out. "Think," he hissed. "You touch me again and you become the story."

Ethan's expression didn't change. "You already made me the story."

He reached down, picked up the fallen weapon, and kicked it down the stairwell.

Then he opened the closet.

Lena came out breathing hard. "That was Dylan."

"Yes," Ethan said.

"You know him?"

"No," Ethan replied. "But I know his type."

Lena stared down the hall where Dylan had fled. "He's connected. He has money."

Ethan's phone vibrated again.

The system displayed one clean line, colder than any bullet:

[THIRD-PARTY INTEREST CONFIRMED: DYLAN ROWE]

[STATUS: PRIORITY THREAT]

[NEXT EVENT: 00:19:32]

A countdown.

Ethan hated countdowns.

He looked at Lena. "We can't stay here."

"Where do we go?" she asked.

Ethan didn't answer immediately.

Because he already knew what Dylan would do next.

He would call the police and twist the narrative. He would hire more professionals. He would weaponize "rules" without ever saying the word.

And Ethan would have to fight a war where bullets weren't the only threat.

Ethan took Lena's hand—not gently, not cruelly, just decisively—and pulled her toward the stairs.

"We go somewhere he can't buy," Ethan said.

"And where is that?" Lena asked, voice trembling despite herself.

Ethan's gaze hardened.

"Somewhere," he said, "that makes him come to us."

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