Ernest recounts his survival after falling from the bank’s upper floor inside a safe. He broke six bones, including four in his leg, one in his back, and one that displaced into his abdomen, and also sustained a gunshot wound to the stomach when the bullet he fired at the safe door ricocheted back at him. After dropping the bag of hydrogen and breathing in the noxious gas, his only option was to rock the safe until it toppled backward through a window. He doesn’t remember the impact but recalls lying motionless in darkness, unable to open the safe door. Just as he began to lose hope, a butterfly from outside tickled his nose in the dark, showing that there was a crack somewhere in the safe.

Ernest tells the assembled suspects that he persuaded police to allow the gathering by promising a full confession to both murders and the robbery if his theory fails. Juliette steps forward and reminds them that police are waiting outside. Ernest redirects everyone’s focus to what Bryce actually wanted with his robbery.

Ernest reveals that Bryce’s robbery had nothing to do with money. Bryce’s daughter, Emma, needed a heart transplant, and a compatible donor, Laurence Birch, had just died. Cordelia still stood ahead of Emma on the transplant list. To remove Cordelia from contention for the donor heart, Bryce needed to keep her away from the hospital for six hours, the window during which a donor heart remained viable. He staged the bank robbery specifically to detain her.

Bryce’s wife, Queenie, a seamstress employed by Remy for the fraudulent production, took Birch’s measurements during a costume fitting and managed to confirm his blood type as well, confirming that he was a donor match for Emma. Bryce originally planned to shoot Birch but lost his nerve.

After an argument with Remy, Birch came barreling out of the café and was struck by a van. Ernest acknowledged uncertainty about whether Bryce gave Birch a final push, but he noted that the outcome was the same: Birch died, making his heart available for transplant. Bryce improvised the bank robbery after following Cordelia inside.

Ernest then cleared Cordelia and Laverna of the two murders. Cordelia withdrew from the fundraising scam once she realized that it was harming people. Edward’s donation was too small to suggest that he intended to confront anyone.

Ernest closes by turning to Felix, one of the bank’s security guards, stating that he knows exactly which murder Felix was investigating.

Ernest produced the spectrometer report that he found in Felix’s locker. The report’s analysis of a liquid’s elemental composition proved that Felix had been stealing microscopic amounts of gold from the famous gold nugget on display in the atrium. Felix despises the Huxleys, and he had been slowly dissolving the gold using aqua regia, a highly corrosive acid mixture. He disguises the solution in a sports drink bottle and applies it while polishing the nugget as part of his duties, then collects the gold-laced liquid and evaporates it at home. Winston is furious.

Ernest explains the historical motive. Felix’s ancestor Yang had prospected alongside Harold Huxley in the 19th-century Australian goldfields. Harold claimed that Yang died of dysentery, but Ernest notes that this was a cover story for the fact that Harold poisoned Yang with gold, a heavy metal, as the symptoms matched. Harold had Yang cremated at one of the country’s earliest crematoriums and put his ashes in their mausoleum. Ernest notes that gold, being non-magnetic, would not be removed by the standard post-cremation magnet sweep used to extract metal fragments.

Winston knew this and broke into the family mausoleum to steal Yang’s ashes, which, if discovered, would confirm the poisoning. Felix showed Winston the spectrometer report in an extortion attempt, prompting Winston to steal the ashes because he believed the report was meaningless without them.

Winston attempts to reframe Felix as the killer of both Edward and Bryce, but Ernest is not finished. He announces that Edward’s bird Ditto had been mentioned in the funeral announcement as bait. They had him in the vestry, knowing that whoever slipped away to silence the bird was the real murderer. A second wall-mounted television, previously dark, came to life showing a live feed: Tobias Cuthbert peers into the camera in the vestry.

Eric, who is present at the funeral, runs to join his father in the vestry. Ernest blocks the only exit. He explains that Eric had lost a high-stakes competitive gaming tournament to Ben Huxley, and that Edward bet heavily against his own son, losing $300,000. Gabriel had paid Eric to lose an earlier match against Ben, but in the next match, Eric genuinely tried to beat Ben and could not. His resentment escalated. He placed an anonymous emergency call falsely reporting a shooting at Ben’s address, a practice known as swatting. Ben, playing his game at high volume without headphones, was killed as a result. Eric tried to deflect suspicion by claiming Ben was cheating.

Ernest goes on to tell them that Edward later found a recording of the final game on Ben’s hard drive. Watching it repeatedly, he had unknowingly taught Ditto the players’ trash-talk, which Ernest had initially misread as threatening statements. Edward contacted Tobias to discuss what he had discovered, arriving at the bank that Wednesday evening after first going home. He hid the hard drive with the recording in Winston’s safe, which was now in his office (using the wool lift, he had recently swapped his and Winston’s safes for security reasons) before Tobias arrived. Tobias struck Edward with Ben’s first-place gold bar, which Edward displayed. Edward, concussed, locked himself in the vault to escape from Tobias and keep the hard drive safe, and he lost consciousness. He died there when a packet of pistachio nuts ignited in his pocket, and he didn’t wake up.

Ernest goes on to tell them that Tobias murdered Bryce by lacing a tube of sunscreen with white phosphorus. He obtained the substance, which is absorbed through the skin and self-ignites with intense heat, from flashbang grenades.

Ernest reveals that the announcement about Ditto speaking at the funeral was a trap—whoever went after him in the vestry was the killer. A television turns on in the room with a camera feed of the vestry, and they all see Tobias looking for the parrot.

Tobias draws a gun and forces Gabriel to unlock the bell tower. Eric breaks from his father and confesses to the swatting, throwing Ditto out the window after hearing the bird repeat Ben’s last words, and pushing Ernest into the safe, but he insists that he never asked his father to kill anyone. Tobias climbs the tower stairs; Ernest follows and is shot at.

Ditto swoops into the tower and distracts Tobias, who fires repeatedly, trying to hit the bird. One shot severs the rope holding the church bell. The bell falls and destroys the staircase. Ernest is dragged to safety. Tobias jumps down the final flights of stairs. He breaks his leg on landing, and the bell crashes down where he stood.

Ernest reflects on the outcomes. Cordelia and Laverna pleaded guilty to their fraud. Remy produced a film about the robbery. Eric, testifying from juvenile detention, expressed gratitude that Ernest forced accountability. Emma Fredericks thanked Ernest for what her father attempted on her behalf.

Because Ernest’s gun was unloaded, his robbery charge was reduced, and the hostages all testified in his favor. Winston, in a public damage-control gesture, transferred the gold nugget to Felix. He also sent Ernest a substantial check, which Ernest tore up. Ernest put his and Juliette’s wedding budget toward Emma’s medical fundraiser. They proceeded with their wedding, officiated for free by Gabriel, who was still under house arrest.