55 pages • 1-hour read
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Content Warning: This section of the guide features depictions of graphic violence, illness or death, and emotional abuse.
As mysterious cars arrive outside Holland’s house. Gabe pulls Holland outside and urges her to run. She takes January’s backpack, hiding the journal inside, and pulls on her sister’s sneakers, feeling something hard hidden in one shoe. Gabe uses his powers to make the neighborhood dark and leads her through backyards. Finding a parked sports car, he opens it and starts the vehicle with one touch. When Holland comments on his use of magic, Gabe corrects her, calling his powers an “ability.” He takes Holland to a beach house and uses his ability to enter. Inside, he presses Holland for the truth.
Holland tells Gabe about her father’s safety deposit box. She reveals her father was Benjamin Tierney, the famous director, and her mother was the actress Isla Saint, who allegedly murdered her husband before taking her own life.
Gabe confirms that the Bank is used to deposit magical objects. He also outlines the Bank’s ruthless practices: it steals individuals’ abilities and wipes their memories. He warns Holland that, once she has claimed the box’s contents, she will be in danger, and offers to help her get out safely. Holland then hallucinates Gabe morphing into Adam Bishop; the vision breaks with a severe nosebleed, leaving her shaken.
Holland recovers in the bathroom, removes January’s shoe, and pulls out a small key labeled Motor Hotel. She flips through the Professor’s journal and reads about the Regal, a magical hotel where one hour inside equates to one minute outside. The Regal attracts guests who wish to hide from the world or avoid aging. Some people check in and never check out. After a shower, she returns to the bedroom and finds Gabe shirtless. Refusing to let her out of his sight, he pulls her into bed and holds her protectively. They fall asleep, Holland clutching the key.
On Halloween morning, Holland wakes from a nightmare about Adam as another nosebleed starts. Gabe gives her tools for the Bank appointment: a ceramic watch to accurately track time and a disposable phone. He trains her to sense magic using an enchanted bronze coin; when she touches it, she feels an icy breeze.
One of the Professor’s students searches online for clues about the Professor’s disappearance and Benjamin Tierney’s work. The student finds an article about Tierney’s unfinished Price of Magic film trilogy, rumored to be cursed. The screenplay for the final movie has never been found. The laptop screen glitches and dies.
At 9:01 am on Halloween, Gabe drives to a beautiful neighborhood. Holland sees the Bank for the first time: a massive jade-green Art Deco tower pulsing with magic. Gabe explains that the Bank’s Manager can read minds, and Holland must avoid her. Parking a block away, he promises he will be waiting. Before she exits, Gabe kisses Holland.
Holland enters the Bank lobby, where staff wear Wild West costumes for Halloween. A banker, Padme, greets her and insists she meet the Manager. In the elevator, Padme reveals she knows January, who secretly works for another branch of the Bank, and January’s partner, Adam. The disclosure shatters Holland’s trust in Gabe. Padme leaves her outside the Manager’s office. Holland steps into a room with green glass walls and discovers the Professor is the Bank’s Manager.
The Professor flips a jade hourglass that suspends time. She explains her folklore class is a recruitment tool for the Bank. After demonstrating her ability to read Holland’s mind, the Professor claims that January has hidden the magical world of the Bank from her sister for selfish reasons. The Professor offers Holland a job and a powerful ability in exchange for the contents of her father’s safety deposit box. When Holland refuses, the Professor warns that Gabe is a murderer who killed his wife.
The Professor claims Gabe married his wife to inherit her magical ability. As she speaks, the jade hourglass cracks and shatters, ending the time-stop. A bird slams into the window, and blood trickles from the Professor’s head. Convinced by the Professor’s claims about Gabe, Holland reveals he is waiting outside.
Holland rides the elevator to the vault. On a table is a single metal container: her father’s safety deposit box. She opens it and takes out a leather satchel. Inside is a folder containing a screenplay by her father, titled Alchemy of Secrets.
Holland skims the screenplay and spots personal clues, suggesting it is a treasure hunt tailored for her. The vault lights go out. Assuming Gabe engineered the blackout, she slips through a hidden exit into the lobby, grabs a cowboy hat as a disguise, and runs.
Eileen pulls up outside, dressed as Calamity Jane, and urges Holland into her car, saying she planted the cowboy hat. Eileen explains that she works for the Bank and reveals the antiquity eye tattoo on her wrist. Her employer has given her the “ability” to find parking spaces easily. As they speed away, Holland receives a message from Gabe asking what she has done. A billboard for the Regal Hotel appears, and Eileen explains that it is visible only to those with a room key. The plastic key from January’s sneaker transforms into a golden Regal key.
Eileen drives onto the road to the Regal, which exudes a magical atmosphere as time slows. Holland asks Eileen to drop her off before the entrance. At the gates, an attendant studies Holland, recognizing she is not January. She uses the Regal key to enter the grounds and steps into the opulent lobby, where the clock reads 5:47 pm. Staff at the desk begin whispering as they notice who came in under January’s key.
This section dismantles Holland’s framework of trust, advancing the theme of The Treacherous Nature of Secrets and Lies from a personal dilemma to an institutional reality. The narrative reveals that every figure Holland has relied upon operates under a veil of deception. The Professor, her trusted mentor, is unmasked as the Bank’s Manager, recasting years of academic guidance as a prolonged recruitment effort. This revelation is a central point of disillusionment, suggesting that even Holland’s most foundational relationships are based on falsehoods. Similarly, Eileen’s allegiance to the Bank transforms her from a loyal friend into an agent of the very institution that Holland is trying to escape.
The motif of time is foregrounded when Gabe gifts Holland the ceramic watch, underscoring her entry into an environment where the natural laws of time no longer apply. Similarly, the Professor’s use of a magical hourglass to stop time as she uses persuasive tactics on Holland symbolizes her power to control the narrative. Meanwhile, the Regal Hotel, which exists outside the linear progression of the world, is depicted as a sanctuary “for those who never want to grow old, or those who wish to hide” (139). This manipulation of time provides Holland a literal and figurative space where the pressure of her deadline with death is temporarily suspended.
Garber’s depiction of the Bank highlights the recurring motif of The Wizard of Oz. The description of the spectacular jade-green tower with Art Deco embellishments and a matching interior deliberately echoes the aesthetic of the Emerald Castle in the Hollywood movie. As in the film The Wizard of Oz, this opulent architectural style is a visual distraction from the corruption within. Just as the Royal Palace of Oz harbors an unremarkable man posing as a powerful wizard to maintain power, the Bank is the headquarters for a woman who uses magic as a tool of exploitation, and both narratives emphasize the idea that illusory appearances conceal dark truths.
These sections also portray Storytelling as a Form of Magic and Manipulation. When the Professor claims that Gabe “married a woman from a family with a lot of magic, and, the day after the wedding, he murdered her” (168), her assertion serves as a piece of propaganda because the accusation severs Holland’s alliance with Gabe, forcing her to make a critical decision based on deliberately compromised information. Then, in an even more dramatic manifestation of the storytelling theme, the discovery of Benjamin Tierney’s lost screenplay, Alchemy of Secrets, repositions narrative itself as the central magical object. Instead of concealing the Alchemical Heart, the safety deposit box contains a script that serves as a treasure map and is encoded with personal clues such as Holland’s childhood nickname. This screenplay therefore becomes a form of posthumous communication from her father, a narrative designed to guide her. Its existence validates the idea that stories can create and reveal reality, acting as a protective legacy. This positive manifestation of storytelling contrasts with the Professor’s use of folklore to ensnare individuals with potential abilities.
Amid these developments, Holland undergoes a significant transformation, developing a new aura of decisiveness that is born from disillusionment. The cascade of betrayals that she experiences in these chapters strips away her support systems, forcing her to rely only on her own instincts. Holland’s decision to betray Gabe to the Professor, while based on manipulated information, is therefore an active choice. More importantly, her subsequent escape from the Bank demonstrates a growing resourcefulness. As Holland navigates the blackout, finds a hidden exit, adopts a disguise, and makes a calculated choice to trust Eileen just enough to secure her escape, this sequence marks her transformation into a person who is willing to take control of chaotic circumstances and make shrewd decisions to keep herself safe in an increasingly dangerous world.



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