Facing mounting legal fees from Virginia Giuffre’s lawsuit, on February 15, 2022, Andrew settled for over £10 million. The settlement included no admission of liability and non-disclosure restrictions on Giuffre. Andrew’s finances came under further scrutiny during a High Court case involving the Turkish millionairess Nebahat Isbilen. Her banker, Selman Turk, was revealed to have made over £1 million in suspicious payments to Andrew, Sarah, and their daughter Eugenie through a shell company, Alphabet Capital.

The chapter details Andrew’s exploitation of his public role for private gain through his business initiative, Pitch@Palace, and his close partnership with financiers David and Jonathan Rowland. Acting as Andrew’s “exclusive business advisors,” the Rowlands used his official trade trips and royal status to benefit their private bank, Banque Havilland, with Andrew even passing them a confidential government diplomatic cable.

After Queen Elizabeth II’s death in September 2022, a poll of the British public revealed that more than half believed Andrew should be banned from his brother Charles’s coronation. Andrew’s allies attempted a “fightback” by claiming the infamous photograph of him with Virginia Giuffre was a fabrication. The author refutes this, citing overwhelming evidence of its authenticity from the photographer, forensic experts, and witnesses, as well as a date stamp showing it was developed in March 2001. Lownie notes that Virginia Giuffre’s suicide in April 2025 reflected how she and many more victims of Epstein and his network never achieved full closure.

In 2023, Andrew was at the center of a major national security breach. His business adviser for Pitch@Palace in China, Chris Yang, was alleged to be a spy for the Chinese Communist Party’s United Front Work Department. Concern arose that Tengbo was not the only international spy to have gained influence with Andrew. In 2024, King Charles III withdrew financial support for Andrew, including the funding of his security. 

The chapter concludes by exploring Andrew’s character traits through the accounts of those who have met him in various contexts. His lifelong nickname “Randy Andy” stemmed from allegations that his voracious sexual appetite resulted in sexual encounters with thousands of women. In a 2007 interview, Epstein, referring to Andrew as his “closest friend” (356), noted that they “shared” women, and stated that the Prince was a fellow “sex addict.” A close source to Andrew suggested these traits may have been triggered by sexual abuse, noting that he lost his virginity at age 11, when a friend’s father hired an escort for him. 

Various accounts of Andrew’s behavior at social events describe his immature sense of humor and enjoyment of humiliating others. Many sources also comment on his sense of entitlement, as evidenced by his insistence on acknowledgment of, and deference to, his royal status. Royal aides consistently compare Andrew unfavorably to both his brother, Charles, and nephew William, describing him as rude and condescending. Numerous stories, such as his refusal to go through security screening at an airport, attest that “Andrew has always felt the rules did not apply to him” (365). 

Turning his character analysis to Sarah Ferguson, Lownie questions her frequent presentation of herself as the perfect mother. Visitors to the Yorks describe her lack of control over her young daughters, and her reliance on a nanny. Parents whose children attended the same school as Beatrice and Eugenie observe that they don’t remember either of the Yorks attending school events. However, the author also notes that Sarah’s own mother was inattentive and suggests that maternal abandonment lies at the core of her impulsivity and desperation to please. Those who have observed her charity work often comment on her kind heart and rapport with disabled and disadvantaged children. The author comments on the co-dependent post-divorce relationship that developed between Andrew and Sarah, who became his most ardent public defender.