CHAPTER : 25 The email arrived at 6:42 a.m. Subject line: URGENT – TEMPORARY RESTRICTION NOTICE Sophia opened it before she was fully awake. By the second paragraph, she was. “Ethan.” He was already sitting up. “What happened?” She handed him the phone. The message was from Callaway International’s primary banking institution. Due to a pending regulatory review and advisory compliance inquiry, certain executive-linked accounts and discretionary liquidity channels had been temporarily restricted. Ethan’s jaw tightened. “They’re freezing operational access.” “Not the company’s primary accounts,” Sophia said quickly. “But the executive trust accounts. The Zurich-linked structures.” Which meant: They couldn’t move emergency capital. They couldn’t counter sudden share buys quic

