#insurance adjuster companies

[claimsprousa]

Top 7 Frequently Asked Questions About Public Adjusters

Public adjusters in Florida are an unfamiliar concept to many homeowners; if you need any guidance about hiring one after experiencing damage to your property, look no further. Here is your resource!

Are you feeling lost about insurance claims and public adjusters? We receive many inquiries about the insurance industry from our readers, with questions like this frequently raised by them. Read on for answers to their most commonly asked queries and expert tips to make your insurance claim successful! If we do not answer it here, please reach out - perhaps we have answers which could assist with completing it successfully for your share!

ClaimsPro USA proudly serves Florida Residents. Our public insurance adjuster helps ensure you get the claim settlement owed to you, just as thousands have before us. Let us ease your insurance claim journey now.

Before Hiring A Public Adjuster in Florida, You Should Ask The Following Questions:

Why Hire a Public Adjuster?

As an insured, you are solely responsible for proving any loss you incur to your insurer, and Public Adjusters represent your case on your behalf.

ClaimPro USA's team of specialists has the skill, experience, and know how to maximize your entitlements. We understand your rights and insurance policies, forms, and endorsements; our priority is representing you before the insurance provider.

Imagine yourself involved in a legal case; rather than representing yourself, you would hire an attorney as your representative. Insurance claims follow suit with this concept - adjusters working for insurance companies will aim to safeguard their interests first. At the same time, Public Claim Adjusters serve your needs first.

Who Will Be Handling Your Claim?

Sometimes the person you speak with initially may not be responsible for handling your claim; therefore, you should inquire during your first meeting to prevent this scenario from playing out. A "public adjuster" could sell those services but then assign someone they may or may not trust as their representative; taking prompt action by inquiring immediately is a surefire way of avoiding these unpleasant experiences.

What Is The Processing Time For My Claim?

In the state of Florida, you should receive your initial check from your insurer within 90 days (this amount is the undisputed sum). However, the insurance company could take up to three months or longer, depending on how your contract dictates they adjust and settle your claim.

What Do Public Adjusters Charge For Their Services?

Public adjusters in Florida typically charge between 5%-20% of your settlement as their fee; hourly or flat rates may also be available in some instances. At ClaimsPro USA, we do not any charge upfront fees, and we won't get paid by until our clients get paid!

What Are My Rights If The Insurance Company Doesn't Pay The Amount We Think Is Sufficient To Settle My Claim?

Depending upon the insurance contract terms, you could possess appraisal or mediation rights.

What Are The Advantages And Disadvantages Of Working With A Public Adjuster?

Here are some pros and cons to consider if you need help deciding whether to hire a Public Adjuster.

Benefits of working with a public adjusters:

– Makes The Claim Process Easier

Damages covered by insurance that affect your personal property or belongings can be disturbing and emotionally wrenching, making dealing with your insurance provider even worse. Doing it alone may need to be more convenient and comfortable. Working with an experienced public adjuster could save much stress in this challenging insurance claim process.

– Helps You To Fight A Lowball Deal

Only accept the settlement offer made by your insurer after consulting with an independent public adjuster if it seems inadequate. They will help you get a higher settlement offer or negotiate better terms if an inferior offer has been extended.

– Saves Your Time

Handling an intricate or large insurance claim may seem overwhelming; from filing paperwork and attending meetings to dealing with contractors - hiring a public adjuster to manage this insurance claims process could save considerable amounts of your valuable time and energy.

– Cheaper Than Hiring a Lawyer

When things don't go as expected when filing an insurance claim, many homeowners feel that hiring an attorney will be their only viable solution. Unfortunately, this option can be more costly than expected as most attorneys charge between 33%-40% as contingency fees, which is significantly more than public adjuster services which usually cost between 5%-15% and can’t ask for more than 20% as per the Florida State Law.

– Negotiates For You

Dealing with insurance company adjusters can be challenging and time-consuming. Insurance adjusters tend to understand all aspects of claims processes thoroughly and possess years of experience, making negotiating only possible with comparable expertise on both sides. Working with Florida insurance adjusters who regularly deals with insurers and their adjusters could prove invaluable - it gives your public adjuster more power in negotiation than you!

– Helps Resolve Claims Faster

Public adjusters are adept at quickly and successfully settling claims rapidly; they get it right the first time.

– Probability Of Receiving a Higher Settlement Offer

Public adjusters can help you secure a more satisfactory settlement. They understand all of the nuances in your insurance policy and have the skills, experience and knowledge to negotiate for fair outcomes on your behalf.

– No Payment In Advance

Public adjusters don't require upfront payments from clients - only when your insurance claim payment arrive will you owe anything back. Public adjusters will only get something if it comes as planned!

CONS:

– Do Not Accept Small Claims

Managing insurance claims can be time-consuming and challenging, which makes hiring a public adjuster even harder. They may need more resources or time for small claims - like when trying to claim only several hundred dollars at once, for example - which they may be unable to add much value towards managing.

What Distinguishes An Independent Adjuster From A Public Adjuster?

There are three primary differences between independent adjusters and public adjusters.

Insurance companies typically hire independent adjusters. Public adjusters are available for insurance policyholders.

Public adjusters represent policyholders' interests, while independent adjusters represent insurers.

Independent adjusters typically receive payment directly from insurance providers.

Here's a more detailed look:

Classification of Insurance Adjusters

Many states use various classifications of adjusters. Insurance adjusters who work for insurance companies typically go by names like Property & Casualty Adjuster, General Lines Adjuster or All Lines Adjuster; their duties involve investigating claims to collect necessary data to adjust insurance companies.

Insurance adjusters generally fall into three main categories.

"Staff or Company" Adjuster

Staff or company adjusters work full-time for an insurance company and investigate and adjust claims on their behalf, helping reduce liability to represent its interests best.

Independent Adjuster

An independent adjuster does not stand on their own two feet despite what their name may imply; insurance companies pay independent adjusters to investigate and settle claims on their behalf.

Independent insurance adjusters near me are hired on contract by multiple insurers when necessary - typically when:

Staff shortage is rendering them incapable of processing claims correctly.

An expert claims adjuster must be available to manage a particular claim effectively.

Certain areas need more staff.

Public Adjuster

Public adjusters (also known as private adjusters) tend only to be known to most policyholders after receiving inadequate settlement offers from their insurance carrier and suspecting possible gameplay in these fair settlements.

Public insurance adjusters operate much like companies or independent adjusters: they investigate and adjust claims, but unlike them, they work solely on behalf of policyholders to help maximize and obtain maximum insurance settlement offers for policyholders.

Conclusion

Public adjusters are only needed for some claims; most property owners can handle more minor, straightforward claims. But managing large claims like fire damage claims, hurricane damage claims, etc, may prove complex or challenging to take on your own; therefore, it may be beneficial to consult a public adjuster when filing or managing them.

We advise consulting one as soon as possible for better outcomes. ClaimsPro USA is an experienced Public adjuster Florida. We have assisted numerous clients in obtaining optimal settlements from their insurance carriers. For you as well, we would be more than happy to do so. If any questions still need to be addressed here, feel free to contact us - we are ready and willing to assist!

[esleep]

genuinely belly laughed at a work email today. its over for me. is this what thirty feels like

[kittlyns]

Yet another day of getting home from work @ 9pm (we usually close at 6... haha) with the fun little bonus of getting a text from my insurance adjuster telling me that while they do not consider me at fault for the accident, the other two insurance companies do, so I have to contact them with my "evidence" to plead my case. Also no one knows where the fucking police report is.

Yippee!! 👍

[kifu]

So we're just ... getting a check ... in the mail ... for our barn. We have to send it to the mortgage company for them to sign and they'll send it back to us, but ... that's just five digits of cash money to rebuild our barn at our discretion. I'm struck. A good thing out of this? Absurd.

[forgetleighnot]

this winter i dont need therapy i just need the fucking claim adjuster from the accident that happened in AUGUST to actually do her goddamned job

[dominozee]

Outsmart Insurance Companies: Proven Strategies

Let’s be real—dealing with insurance companies can feel like you’re up against a powerful opponent who knows the rules better than you do. It’s frustrating, right? You pay your premiums every month expecting that peace of mind, only to find out when you file a claim that it’s a little more complicated than you thought. Denials, delays, fine print—it can feel like an uphill battle! But don’t…

[flcareclaims]

Don’t Delay! 7 Steps to Fix Hail Damage Roofs with the Best Public Adjuster

Hailstorms can wreak havoc on your roof, leading to costly repairs if not addressed promptly. If you’re dealing with roof hail damage, it’s crucial to act quickly to prevent further issues. Here’s a step-by-step guide on how to handle hail damage roof repairs, featuring insights from the Best Public Adjuster in the field.

1. Inspect Your Roof Immediately

After a hailstorm, inspect your roof as soon as it is safe to do so. Look for visible signs of damage such as dents, cracks, or missing shingles. The sooner you identify the extent of the damage, the quicker you can start the repair process.

2. Document the Damage

Take clear photos and videos of the damage from various angles. This documentation will be crucial for filing your insurance claim and working with the Best Public Adjuster. Comprehensive evidence will help ensure you receive fair compensation.

3. Contact a Reliable Public Adjuster

Reach out to the Best Public Adjuster to help you navigate the claims process. A skilled adjuster will assess the damage, negotiate with your insurance company, and ensure you get the maximum payout for your hail damage roof. Their expertise is invaluable in speeding up the claim process.

4. Get a Professional Roof Inspection

Hire a certified roofing contractor to perform a detailed inspection of your roof. They will provide a thorough assessment of the damage and recommend necessary repairs or replacements. This step is essential to ensure that your roof is restored to its pre-damage condition.

5. Obtain Repair Estimates

Collect estimates from at least three different roofing contractors. Compare their findings and costs to make an informed decision. Your Best Public Adjuster can help review these estimates to ensure they align with your insurance coverage.

6. File Your Insurance Claim

Submit your claim to your insurance company with the documentation and repair estimates provided. Your Best Public Adjuster will assist in this process, ensuring that all necessary information is included and that the claim is processed efficiently.

7. Monitor the Repair Process

Once repairs begin, stay in touch with your contractor to monitor progress and ensure that the work meets quality standards. Your Best Public Adjuster will continue to oversee the claim and help resolve any issues that arise.

Act Now to Protect Your Home

Delaying the repair of a hail damage roof can lead to more extensive damage and higher repair costs. By following these seven steps and working with the Best Public Adjuster, you can effectively manage your roof hail damage and safeguard your home from further issues. Don’t wait—take action today to ensure your roof is repaired promptly and professionally.

[fugglecases]

ohhh okay i get it now the pain is forever and never ceasing

[reasonsforhope]

"For [Tanner] Green, the chief engineer at Not a Wheelchair, this is one of the thousand complications standing between his team and a rather lofty goal: upending the manual wheelchair marketplace.

If you’ve heard of Not a Wheelchair, it’s likely because of its owners, Zack Nelson, the star of the 8.8-million-subscriber YouTube channel JerryRigEverything, and his wife Cambry, a para and manual wheelchair user. The Nelsons got into the mobility equipment business a few years ago when they released The Rig, an electric, adaptive off-road device with a simple yet robust and functional design priced significantly lower than anything else on the market. Now, they’re bringing that same ethos to manual wheelchairs.

Not a Wheelchair aims to offer a base-model, custom manual wheelchair at a similar or better quality than most of the insurance-approved wheelchairs in the U.S. for $999.

Yes, that’s just under $1,000 for everything — wheels, handrims, tires, side guards and rigid, angle-adjustable backrest included. And the company plans to have a turnaround time of weeks, rather than the monthslong slog that it typically takes from order to delivery.

When I first heard about this, it sounded awesome and a bit far-fetched. It’s hard to find a pair of quality wheelchair wheels for less than $500. Same with a rigid backrest. How were they going to offer both, plus a custom wheelchair frame without compromising on quality? I drove to their headquarters in Utah to find out...

So how does Not a Wheelchair’s base model chair stack up to other options on the market? I hate to sound like a preacher, but … it’s totally reasonable! It hits the mark of being at least as good, if not better, than the majority of insurance-approved wheelchairs in the U.S.

Touring the factory, I saw other prototypes scattered all around the facility. There’s a beefier, four-wheel drive version of The Rig that the company just launched. There’s a track wheelchair that’s still in development. It’s clear that Not a Wheelchair doesn’t intend to stop at a simple, manual wheelchair. Inexpensive components, more advanced electric off-road devices, power assist, it’s all on the table. “We’re just really excited to see where this leads,” says Green."

-Article and video via New Mobility, October 1, 2024

[viadjusters]

We provide loss adjusting and risk management services to help individuals and businesses recover from losses caused by unforeseen events. Our experts will work with you to identify risks and develop strategies to mitigate them, ensuring that you are prepared for any potential losses.

[artemiseia]

.

[creepyscritches]

I read your post about open enrollment for the ACA and was hoping you might expand on why you believe it would take years to dismantle. I've been terrified that with a Republican house/senate, Trump could just snap his fingers and make it go away within months of taking office. I'd love some reassurance that that's not possible.

Hiya, sure I can share some thoughts on the matter! First, it's very important to understand the ACA is a huuuuuuuuuuuuge system with subject matter experts in dozens of places throughout the process. I'm one of those SMEs, but I am at the end of the process where the revenue is generated, so my insight is limited on the public facing pieces.

What this means is that I am professionally embedded in the ACA in a position that exists purely to show what conditions people are treated for and then generate that data into what's called a "risk score". There's about 6 pages I could write on it, but the takeaway is that the ACA is

1) intricately interwoven with the federal government

2) increasingly profitable, sustainable, and growing (it is STILL a for-profit system if you can believe it)

3) wholeheartedly invested in by the largest insurance companies in the country LARGELY due to the fact that they finally learned the rules of how to make the ACA a thriving center of business

4) since the big issuers are arm+leg invested in the ACA, there is a lot of resistance politically and on an industry level to leave it behind (think of the lobbyists, politicians, corporations that will fight tooth and nail to protect their profit + investment)

The process to calculate a risk score takes roughly 2 years. There is an audit for the concurrent year and then a vigorous retro audit for the prev year - - this is a rolling cycle every year. Medicare has a similar process. These are RVP + RADV audits if you would like the jargon.

Eliminating the ACA abruptly is as internally laughable as us finishing the RADV audit ahead of schedule. If Trump were to blow the ACA into smithereens on day 1, he would be drowning in issuer complaints and an economic health sector that is essentially bleeding out. You cut off the RVP early? We have half of next RADV stuck in the gears now. You cut off the RADV early? No issuer will get their "risk adjusted" payments for services rendered in the prev benefit year (to an extent, again very complex multi-process system).

The ACA is GREAT for the public and should be defended on that basis alone. However, the inner capitalistic nature of the ACA is a powerful armor that has conservatives + liberals defending it on a basis of capital + market growth. It's not sexy, but it makes too much money consistently for the system to be easily dismantled.

Or at least that's what I can tell you from the money center of the ACA. they don't bring us up in political conversation because we are confusing to seasoned professionals, boring to industry outsiders, and consistently we are anathema to the anti-ACA talking points.

I am already preparing for next year's RVP for this window of open enrollment. That RVP process will feed into the RADV in 2026. In 2025, we begin the RADV for 2024. If nothing else, the slow fucking gears of CMS will keep the ACA alive until we finish our work at the end of the process. I highly doubt that will be the only reason the ACA is safeguarded, but it is a powerful type of support to pair with people protecting the ACA for other reasons.

I work every day to show, defend, and educate on how many diagnoses are managed thru my company's ACA plans. My specialty is cancer and I see a lot of it. The revenue drive comes from the Medical Loss Ratio (MLR) rule stating only 20% MAX of profit may go to the issuer + the 80% at a minimum must go back to the customer or be invested in expanding benefits. The more people on the plan using it, the higher that 20% becomes for the issuer and the more impactful that 80% becomes for the next year of benefit growth. It is remarkably profitable once issuers stop seeking out "healthy populations". The ACA is a functional method for issuers to tap into a stable customer base (sick/chronic ill customers) that turns a profit, grows, and builds strong consumer bases in each state.

The industry can never walk away from this overnight - - this is the preferred investment for many big players. Changing the direction of those businesses will be a monumental effort that takes years (at least 2 with the audits). In the meantime, you still have benefits, you still have care, and you still have reason to sign up. Let us deal with the bureaucracy bullshit, go get your care and know you have benefits thru 2025 and we will be working to keep it that way for 2026 and forward. This is a wing of the federal government, it is not a jenga tower like Trump wishes.

[lucyoccupy]

INSURANCE Settlement Options that ChatGPT can help us laugh about....

#Me: Please write 3 clever taglines for this thread “Settling for justice: One person’s fight against the odds” “Breaking the blacklist: An elderly, disabled person’s pursuit of fair settlement” “From toxic exposure to social justice: A legal battle worth fighting” #Me: Please summarize this thread written by me and ChatGPT and why people on social media may find it of interest #ChatGPT: In…

[lovelyhan]

— melting point ⟢

rumor has it that icy department head of pledis insurance has something going on with her loyal secretary, wonwoo. well, she does—it's just not the kind of behind-closed-doors business one would expect for them to partake in.

★ FEATURING; secretary!wonwoo x afab!oc

★ WORD COUNT; 12.3k words

★ TAGS; coworkers to lovers, revenge fic, angst, smut

★ WARNINGS; blackmailing, manipulation, mentions of past bullying, graphic sexual content (MINORS DNI)

★ NOTES; hi... it's been forever, hasn't it? i missed tumblr a lot, and have decided to grace the tags with this fic after months of radio silence heheh ! this was a commissioned piece on twt which i tweaked to fit my tumblr audience better! cheers to 5k followers even in my absence t__t you guys are the best!

★ PS; i'm sorry i can't be bothered to dig up my taglist and tag those who filled it up T T

There’s a saying in PLEDIS Insurance that goes: enjoy your coffee early because once the Ice Queen is in, it’ll turn just as cold as she is. 

Of course, the words were merely thrown around in jest. Something that bored employees come up with in the break room whenever they’re careless enough to think their little jokes won’t reach said ice queen’s ears. But still—they’re just jokes. As long as they worked enough to satisfy their salaries’ worth, Emma the Ice Queen would always turn a blind eye. She might be cold, but she isn’t completely heartless.

Most of the time.

“Good morning, ma’am,” her secretary, Wonwoo, greeted with a curt nod as she entered her office. 

Emma scoffed before setting her things down on her work desk, the frown on her face only worsening when she sees the elegantly wrapped gift box in front of her. “What's this?” 

Wonwoo swallowed thickly, like he was nervous. Wonwoo never gets nervous.

“We have an...unforeseen circumstance,” he prefaced before tapping away on the iPad in his arms. “Sir Leo from the Choi group wants to pursue you.”

“Unforeseen?” Emma repeated. “Wonwoo, this is completely foreseen. Isn't it our from the start is to make them fall in love, only for us to expose their dirty secrets in the end?”

He looked as if he wanted to agree. But after turning the screen of his iPad so Emma could see the article written on some shoddy newsletter, her brows furrowed together in confusion.

A Race for the Inheritance: How the Choi Group’s Next Generation of Ambitious Youngbloods Will Do Everything to Get Their Fill of Old Money. 

The title itself didn’t give Emma much context of what exactly was making Wonwoo—her ever-composed secretary—lose his composure. It’s natural to see the sons and daughters of a powerful business conglomerate fight each other for their rights to the family inheritance. But after reading through what the rest of the article had to offer, the pieces of the puzzle suddenly started to fit.

“They're seeing who gets to get married first?” Emma laughed incredulously before handing the iPad back to Wonwoo. “Does Leo really think he can get me to become his lover—even more so his wife—after everything he did to me in high school?”

Wonwoo breathed in deeply. “Miss Emma, we both know the answer to that. If it were all up to you, you could easily put him to shame and reject him. But his interests somewhat align with the director’s interests as well…”

Ah. Her father’s interests.

“No,” she answered sharply. “Even if he kicks me out of my position, I’m not going to be wed to that prick.”

“Are you sure about that?” Wonwoo sighed before adjusting his glasses. “Miss Emma, we both know you love your work more than anything. And you're chronically attached to this company even if you despise the executives. Sir Leo has good leverage over you, sad to say.”

There was something irritating about hearing Wonwoo call his ex-best friend Sir, as if he was underneath some scumbag of a human being like Leo. But then again, years have passed since then. Lots of things have changed. 

But Emma’s grudges hold steadfast, still.

“Hmph, whatever.” She dismissed the matter with a nonchalant wave before unwrapping the gift box in front of her. “Was this from Leo, too? Is he on a deadline or something?”

“Hmm, first one that gets married before December gets the rights to the inheritance,” Wonwoo informed her as he picked the clutter of ribbons off Emma’s desk and pocketed them in his coat for later disposal. “Do you want me to look up the progress of his siblings and cousins? We can sabotage him while it's still early.”

Emma didn’t respond right away—preoccupied with unwrapping Leo's so-called gift. But when she sees a red velvet box with an engagement ring and a folded letter inside, she begrudgingly realized that Leo wouldn’t be as easy a target as her other high school bullies.

No, this man really was rotten to the core.

By the time you’re reading this, I’m sure you already heard the news. You know what to do, right, Emma?

Or should I say, wifey? ;)

“Send this back to him. Now.”

Wonwoo nodded obediently as Emma pushed Leo's cursed gift box away from her. “Alright. Anything else I can do for you? Like…have someone plant a snake in his bedroom or something?”

Despite the sour mood that Leo undoubtedly put her in this morning, Wonwoo's little idea of a joke made the corners of her mouth turn up into a small smile. The offer was tempting, but in the end, she shook her head and booted up the PC on her desk instead.

“As much as I want his death by a snake bite to headline the news, Leo doesn’t deserve to get out of this the easy way.” Emma muttered as she started browsing through the hard-drive she’d hooked up onto the computer. “And lucky for us, I finally got the evidence to send his suspiciously prosperous career down into a spiral.”

Wonwoo raised an eyebrow before taking a peek behind her. “What's that? Money laundering records? Tax fraud?” 

No. It was really something as simple as—

“Footage of a mass orgy he participated in,” Emma casually told her secretary as she clicked on the only video on the hard drive. “Might not look like a big deal compared to what we had to go through with Ezra, but Leo belongs to a family of devout Catholics. Good thing your contact from Leo's favorite bar had some use. All I did was ask around and he quickly spilled all the details with the right amount of money.”

Wonwoo chuckled as he flashed her an impressed look. “As far as I know, I’m the one who’s supposed to do the dirty work for you. Why are you directly involving yourself in matters you can leave to me?” 

The lewd video continued to play on her screen—muted, of course—and one could easily make out Leo Choi's face amongst the crowd of sex-depraved freaks. Once they sent this over anonymously to each and every person who might think that scumbag deserved to inherit his family’s wealth, it would be all over for him.

“‘Cause we’re a team, Wonwoo,” she chuckled. “You’ve done your fair share of work when we took down Gavin and Ezra. But admittedly…I've got more bones to pick with Leo. I think it’s only fair for me to orchestrate his downfall with my own two hands.”

“Right…” Wonwoo agreed with a hint of fondness in his tone that completely went over Emma’s head—far too triumphant with her newfound ammunition. 

“We’re a team.”

But it wasn’t always that way.

Wonwoo was actually more deeply involved in Emma’s mission to exact revenge on the people who’ve wronged her years ago than one would otherwise expect. He’d been best friends with Leo since they were kids, and when they eventually met Gavin and Ezra in their high school basketball team, the four of them were quite inseparable. 

But despite being his best friend, Wonwoo knew that Leo could be quite…off-putting with his behavior sometimes.

“Hey, look at that,” Sixteen year-old Leo scoffed before gesturing towards the loud girl earning amused stares in the cafeteria. “She's so fucking loud. Is she the new transfer student?”

Gavin snickered as he took a bite out of his lunch. “How'd she even get in here? Our tuition isn't a joke, and she doesn't really look like she can afford it. The kid of a maid, maybe?”

“Or she could be one of those financial scholarship kids,” Ezra pitched in with a shrug. “Though she doesn't look very bright if we're being honest.”

Wonwoo didn’t offer anything to the conversation, merely eating his food quietly as his friends talked smack about the new transfer student in their class. Emma Rodriguez was like a piece of meat thrown into a pit of vipers. Some might like her—like the classmates who were howling with laughter because of her antics—but others looked at her with disdain. 

She didn’t belong to any wealthy well-known families like every other kid in their grade. The girl simply popped out of nowhere like an eyesore, according to Leo. Wonwoo didn’t really mind her presence though. She made the boring monotone of his school days a bit more bearable with her energy.

But what Wonwoo thought was just his friends’ surface-level dislike for a girl who behaved differently from the others in their grade turned out to be something else.

Something worse.

He wasn’t stupid. He knew what bullying was, and was well-aware that what his friends constantly did to Emma wasn’t something that normal high schoolers did. Leo was the most vicious about it, and Wonwoo never really got to know his reasons for doing all those horrible things. 

But whenever they spotted Emma horsing around in the hallways, Leo would always be the first one to come up to her—calling her names like fraud, gold digger, and the like. Gavin and Ezra followed each and every time, and they were usually the ones who pushed her around for no real reason.

And Wonwoo? Wonwoo was the one who always stood a few feet away every time his friends decided they were in the mood to pick on the transfer student. The one who always stayed quiet and pretended nothing unsightly was happening in front of him.

The one whose gaze Emma always tried to silently catch, hoping he’d be the one to stop his friends from harassing her. 

But he never did.

That cycle of three boys bullying a once bright and bubbly transfer student became commonplace. Before their third year in high school came to a close, Emma suddenly vanished off the radar. She didn’t attend their classes, nor was she there in the completion ceremonies at the end of every school year. 

Most of the kids around Wonwoo didn’t really give two shits about her sudden disappearance. Word around the street was that she transferred out because of the heavy harassment she was getting, not just from his friends, but also the rest of the students from their grade. They didn’t think Emma was funny because of her silly antics and loud jokes anymore.

Everyone started to collectively think of her as a nuisance, and the fact that she had no familial connections to protect herself with only fed into the senseless yet oh-so popular trend of crushing Emma Rodriguez’s hopes and dreams into the ground.

It was almost like Wonwoo was the only person in their entire grade who felt the tiniest bit of pity for her. But he told himself long ago that someone like him had no right to feel sorry for someone he never bothered trying to help. 

The years passed by in a flash. After Emma’s disappearance, Wonwoo quit the basketball team and  completely cut off his friends and everyone else who actively hurt her. He didn’t really know why either—all he knew was that he couldn’t stomach the idea of keeping those connections despite what they drove Emma to do. 

Of course, he knew he wasn’t completely innocent either. But it wasn’t too late to be a decent person, right?

Wonwoo simply went through the motions of graduating high school, then college, before pursuing a career in the vicious world of the corporate hierarchy. But instead of gunning for executive positions like his fellow fresh grads dared to dream, he worked his way up without using his family’s prestige to his own advantage. 

In fact, Wonwoo realized he liked working closely with his bosses. That’s why he became the designated secretary to all the finance department heads who walked through the doors of PLEDIS Insurance. He was content with being a jack-of-all-trades kind of guy who’s at the beck and call of someone else—a tool who worked on the sidelines. He never really wanted to be the face of any company anyway.

But then, in his fifth year on the job, he was told that there were a couple of changes in PLEDIS’ executive board. The boss he’d been working under was set to retire and he’d be replaced with a new one—someone younger and full of promise, as the head of human resources dramatically explained to him. 

It wasn’t really a deal breaker or anything. As long as Wonwoo got paid, he’d gladly work for even the most terrible of people in this industry.

But on the day his new boss was set to start, he was haunted by a ghost from the past instead.

Wonwoo hasn’t spared a single thought for Emma Rodriguez in God knows how long. Yet the moment she stepped into the office, he recognized her almost immediately. There was no trace of that girl people called gold digger and other derogatory names because of her appearance. This was a woman with her head held high—someone who oozed confidence in every stride with a gaze sharper than her winged eyeliner. 

Yet Wonwoo couldn’t be mistaken. This really was Emma Rodriguez.

He wondered if she remembered him, too. The boy who kept quiet about those who bullied her in those few crucial years of her life. Wonwoo even considered apologizing for not doing anything to help her when he should have. 

“Ah, Wonwoo Jeon?” Emma repeated his name with a dismissive air, almost like she was wholly uninterested in him. “The one who just watched when Gavin Kim pushed me in the muddy courtyard at school? The one who pretended not to see when Leo Choi splashed paint all over my uniform? Of course I remember you.”

God. Was this her exacting retribution?

For the next few days since she came into the office, Wonwoo helped Emma get used to the feel of things in the Finance Department. At least, that was his intention. 

From the looks of it, Emma already knew the ins-and-outs of managing a company’s cash inflow and outflow, as well as the other gritty, more technical details that came with accounting for each and every cent. She managed to prepare and present several sets of data that his previous boss had trouble organizing to the current board of directors within two days’ time. 

Her work ethic was admirable—she got the job done quickly and efficiently, and that made her earn the respect of her subordinates faster than Wonwoo had seen them warm up to their previous bosses. It would have been the perfect relationship between the new department head and her employees, if it weren’t for Emma’s stone cold behavior towards other people. 

Not only did she look different from the Emma he knew in high school, but she acted differently too. Wonwoo couldn’t picture this Emma purposely making a fool out of herself just to make the people around her laugh. This Emma wanted the entire team to get the work handed to them done as soon as possible, and if they did, the most they’d receive in return is a mere nod in approval and nothing else.

It was for that reason that employees would start calling her the Ice Queen. Though she wasn’t some tyrant that gave people an unreasonable workload—she was actually very lenient and fair about the division of tasks—her people skills needed a little work. 

That or Emma was purposely shutting everyone out with her chilly attitude. 

Wonwoo had a few clues as to why she’d want to do that, but he’s a secretary, not a therapist. The only thing he could do about it was to keep his silence.

But then came a day when Emma asked him to come into her office to do something he completely expected from her but didn’t at the same time.

“Are you still in touch with Leo, Gavin, and Ezra?” she asked him, not even bothering to look up from the report she’s reading off her PC.

The question caught Wonwoo off-guard and it was obvious Emma caught on to his reaction if the tiny smirk that curved across her lips was anything to go by. Still, he took it in stride—breathing in through his nose as he thought about his answer.

He hasn’t been in touch with any of them since his high school graduation. All their attempts at reaching out to Wonwoo to invite him for a quick game of ball or a round of drinks somewhere in the city were all ignored. Not even turned down—ignored. 

Leo was the most persistent about it. After all, they were best friends. But after several years of Wonwoo not even bothering to give their invites a single glance, Leo stopped reaching out altogether. Wonwoo's life became a lot more peaceful since he cut ties with them, and he never really regretted the decision to do so. 

But perhaps the universe really was telling him to pay the price for his past inaction now that Emma was bringing up the past on a regular Wednesday afternoon. 

“No, ma’am,” he told her honestly. “Do you want me to reach out to them? Their contact details are pretty easy to get our hands on.”

Emma sighed quietly before meeting his gaze, an unreadable look hovering across her face. “Mmm. Yeah, I’d like that. But aren't you going to ask why I want to contact them again?”

He wanted to, but Wonwoo learned that in his line of work, the last thing he should do was ask questions. It made him wonder if Emma was purposely setting him up on some sort of conversational bear trap, but seeing as he didn’t really have anything to lose by giving, he chose to relent. 

“...Why?”

The silence of her office rang in his ears as Emma typed away on her keyboard. It was a mechanical one with tactile switches that matched the color of her desktop wallpaper. He didn’t take her to be someone who cared enough about aesthetics to that degree, but then again, Wonwoo never really got a chance to get to know her back then. 

He was too much of a coward to do so.

Once she was done, Emma got up from her ergonomic chair (which also matched her desktop setup), leveling her gaze with Wonwoo's even if the latter was easily a head taller than she was. Something about the glint in her eyes made him swallow the lump in his throat. Not to mention that sweet yet chilly smile that graced her bright red lips.

“It’s really simple, Wonwoo,” she told him with a laugh. 

“I want revenge.” 

And that’s how their little team was formed.

It was a two-person job. Emma entrusted Wonwoo with digging up the information she needed about the three men she wanted to bring down, all while she was in charge of putting their plans into motion by heading over to the front lines. 

Gavin was an easy target. Unlike the other two, he’s the only one who pursued professional basketball and for a while, he amassed quite the number of fans and admirers because of his outstanding plays. What’s more was that he managed to wife up a beauty queen who’s already conquered the international stage a few years back. Now with their first baby on the way, one would think that Gavin Kim has a picture perfect life.

But further down the road, talk about how he’s actually a womanizing wife beater started to seep out of the cracks and crevices of the athletic industry. The allegations were serious, but no one really bothered batting an eye. It’s normal. Lots of athletes are like that. We can't do anything about it.

It was easy to get a hold of which gym Gavin frequents to maintain his physique. He preferred working out in public facilities instead of the one provided for his team because it gave him all the freedom to ogle and flirt with other women who just happened to be hitting the gym on days he was on the prowl. 

Wonwoo even added a little footnote in the file he prepared that said likes to engage in post-workout coitus in the shower rooms. Emma rolled her eyes in disgust when she read it, but made sure to keep it in mind.

The day finally came when she’d collect enough evidence to ruin Gavin’s career. Emma hasn’t dropped by the gym in a while—work having sapped her energy too much to let her psych herself back into working out. But she realized she didn’t have to act out too much because the moment she started operating the treadmill right next to Gavin’s, he was already checking her out.

He didn’t seem to recognize who she was, unlike Wonwoo. But then again Gavin was easily the stupidest out of her trio of high school bullies. This man was all brawn and no brains, which was why it was all too easy for Emma to seduce him in the showers of this shoddy gym not thirty minutes since she’d arrived.

It wasn’t the most pleasant experience. The last thing Emma wanted was to have this idiotic man inside of her so she offered to go on her knees and blow him instead—something that Gavin was all too happy to relent to. 

He didn’t even boast a cock of considerable size. It probably wasn’t any longer than her middle finger, and for a split second, she wondered why his beauty queen wife stayed with him despite having a cock that didn’t back up his cocky attitude. It was probably the money.

Emma didn’t waste much time though. Wonwoo visited this gym only a few hours prior to plant a bug somewhere inside the specific shower stall they were currently occupying. She just had to hope she and Gavin were positioned well enough so the camera would get a full view of what they were doing. 

It was the longest twenty minutes of Emma’s life, and she had to go home right away to disinfect her mouth about ten times, but hey. All in the name of vengeance, right?

At around eight in the evening on that same Saturday, her phone lit up with an email notification from Wonwoo. 

From: Wonwoo Jeon  Subject: CLASSIFIED Good evening, Miss Emma. I hope this message finds you well. I retrieved our bug from the gym earlier today and extracted the videos taken before properly disposing of it. Attached to this email is the MP4 file of our evidence against Mr. Gavin Kim. Around the time this message arrives to you, I have simultaneously sent said evidence to Mr. Kim’s managers, sponsors, teammates, other colleagues, and of course, his wife.  The only difference between their emails and yours is that this is a self-destructing message. Once you’ve closed this window, it will be deleted from your inbox without a trace. So if you are interested in watching the video below, best save it to your device of choice for better perusal. If you have any further questions and concerns, I am merely a text message away.  Regards,  Wonwoo Jeon Secretary, Finance and Logistics Department PLEDIS Insurance 

Like hell she was going to watch it.

The moment Emma finished reading through Wonwoo's overly formal email, she quickly exited the window and, true to his word, the message itself had disappeared. Despite being a fairly new player to the game, she had to commend all the precautions Wonwoo was setting to make sure her plans were a success. 

It made her wonder if his previous bosses have also asked him to do shady things under the company’s nose in the past. Whether or not that's true, she was reaping the benefits of his expertise, so she had no room for complaints. 

As long as she had Wonwoo, she’d get to punish everyone who wronged her without fail.

Gavin’s downfall followed soon after. 

Tabloids were their best friend in that scenario. The thumbnail of the video that Wonwoo spread around like some virus that wouldn’t stop replicating headlined every single paper, talking about how one of the most promising basketball stars of their generation had fallen prey to his own vices.

It was a good thing that not only was Wonwoo careful enough to not leave digital footprints as he sent out those emails, but he also edited the video to keep Emma’s identity a secret. As Gavin’s world started to crumble before his eyes—him being kicked off the starting roster of the team, his wife leaving him behind, and the public execution of his reputation—Emma simply shared a bottle of aged wine from Tuscany with the man who helped her pull off a wonderful performance.

“You’re not too bad,” she mused as she took a small sip, crossing her legs from where she’s seated unceremoniously on the edge of her desk. “You're surprisingly more on-board with this plan than I thought. If I didn't know any better, I'd think you were never friends with Gavin in the first place.” 

Wonwoo retained his stoic demeanor, not having touched the glass Emma offered him simply because it was against company regulations to intoxicate himself on the job. “If my boss tells me to ruin someone's life, I'm mandated to do it. I’m just doing what’s written on my job description, ma’am.”

Emma’s lips stretched into a grin as she threw her head back with a laugh. She leaned in closer to Wonwoo, who seemed wholly unfazed by the fact that the gesture granted him an ample view of her cleavage through her blouse. 

“Does your job description cover watching and editing your boss' sex scandal so you can mass send it to hundreds of people?” She giggled before leaning back to take another sip of her drink. “You’re in the green for now, Wonwoo. Keep it up and I might just have a pay raise arranged for you with HR if our next escapade is a success.”

He hummed in understanding. “Who’s next?”

In usual Emma fashion, she didn’t give him a straight answer right away. Instead, she hopped back to the carpeted floor of her office—not even wobbling in those thin heels she’s wearing—before rounding her desk to access her computer. 

“Have you been watching TV lately? Primetime soap operas?” she asked him as she clicked away on her screen. 

Wonwoo shook his head. “They don’t really interest me, ma’am.”

“I figured they wouldn’t. But this might.”

Emma gestured for him to peer at her monitor and Wonwoo wordlessly followed suit, getting up from his seat and standing behind her. Flashed on the screen was an article from a more reputable news outlet that featured two co-stars who played the main couple in a popular network’s newest drama. 

“Ezra Lee and Alaina Park…” Wonwoo muttered under his breath before his eyes flickered to Emma. “You have any leads I can work with?”

His boss chuckled before looking up at him with an expectant smile. “Someone's determined. I never thought I’d get to see someone so eager to do the dirty work for me.”

Wonwoo shrugged. “Miss Emma, I'm not sure if you're aware but desk work gets boring sometimes. You’re right. This is a lot more interesting.”

“Alright, then,” Emma chuckled before retrieving both of their wine glasses and handing Wonwoo's back to him. “Unlike Gavin, I don't have a lot of surface-level leads with Ezra. He’s a celebrity—their reputation needs to be squeaky clean, so it makes sense why I can’t dig up anything about him through regular means. But this should be a piece of cake for you, right?”

Wonwoo stared at the bright red liquor inside the expensive glass, gaze darting to the wicked smile playing on Emma’s lips. If he looked a little closer, he would be able to tell that the shade of her lipstick matches the color of the liquor in her hands. 

He took it from her grasp with a sigh, clinking the edges of their glasses together before downing the entire thing in one fell swoop. The wine was aged well, and had somewhat of a sweet aftertaste, but despite the appealing flavor, Wonwoo reminded himself to never drink on the job ever again. 

“I’ll get back to you once I have the information you need.”

Wonwoo swiftly left Emma’s office after that little victory party. Even with his new sideline of being his boss’s lead henchman, he still had a lot of work to do for PLEDIS Insurance. And that included telling the other employees to quit horsing around in the break room when their designated lunch break ended hours ago.

“Sir Wonwoo,” one of said employees, Soonyoung, snickered before throwing an arm over Wonwoo's shoulders. “You've been hanging out in Miss Emma's office pretty frequently. Is there something going on? You became close real quickly.”

“Yeah” said one Seokmin, who’s still snacking on a wafer despite Wonwoo's scolding. “Boss, we know you're not the fuck-your-way-up kind of guy, but who knows, right? But with your position right now, do you really need it?”

Seungkwan, the last member of their unruly trio, slapped Seokmin’s arm with a scowl. “Hey! Do you really have to say it to his face? Oh, boss, if you make a report about these two, please know I have nothing to do with whatever they're saying.”

Soonyoung snickered. “Are you sure about that? Weren't you the one who first noticed that Sir Wonwoo was stepping inside Miss Emma's office more frequently—”

“Hey! Boss told us to scram, didn't he?! Let's go.”

Seungkwan quickly ushered his two friends out of the break room, scolding them in a hushed tone before they all went back to their respective cubicles. Wonwoo shook his head with a sigh, muttering something about inevitable rumors as he made himself a cup of coffee.

Was that how they perceived Wonwoo’s sudden closeness with the department head? That he was fucking Emma in the solitude of her office? Well, the idea of a boss having illicit relations with their secretary wasn’t too far-fetched. He’s heard about how the head of the Advertising Department gets frisky with his secretary through the corporate grapevine. But just because it was a popular trope among the employees’ strange fantasies, it didn’t mean it applied to himself and Emma as well.

They were strictly professional: he did the dirty work and she paid him in full. That was all there was to it.

(But what people don’t know was that editing Gavin’s scandal wasn’t exactly the walk in the park Emma thought it was.

Despite being one of the most indifferent people in the company, Wonwoo was still a man. Seeing his boss, whose body would be coveted by anyone who dared to want her, in such a compromising position excited an…unexpected physiological reaction out of him.

His resolve was as sturdy as steel, however. Instead of taking care of the obvious problem in his pants as he edited the scandalous video, Wonwoo dealt with it by taking a long, cold shower until all the blood that rushed down south started circulating properly again.

He told himself not to think about it come morning.)

��A drug den?”

Even Emma was baffled by the news that Wonwoo brought her the following week—a scowl of disbelief permanently etched on her face as she scanned the file her secretary prepared for her. Wonwoo merely stood at her side, waiting for her to finish going through the data he’s gathered. 

And he sure hoped she understood every single word printed on it. He practically risked his life trying to investigate Ezra’s secret business. No wonder it was so hard to dig up any dirt on him—dead men tell no tales after all.

“This is…” Emma swallowed thickly before continuing, “way above my expectations. If he was just getting faded on his own with a private dealer, I'd understand. Lots of celebrities do recreational drugs. But for him to head an entire operation? Where'd he find the time on top of his taping schedules?” 

Wonwoo sighed. “I would’ve been able to investigate further if his men weren't so meticulous. They're fiercely loyal to Ezra. Couldn’t bribe him like we did with Gavin’s gym coach.” 

“And you made sure to keep your identity under lockdown?”

“Positive.”

Emma drummed her fingers across the smooth surface of her work desk—brows furrowed as she stared into nothingness. Though they’ve only been working together for roughly six months at most, Wonwoo knew her well enough to realize she hit a wall.

It made him wonder if this was where she would draw the line. Their success with Gavin gave them both an unexpected high, sure, but Wonwoo recognized that this game they were playing was a dangerous one. The people they were trying to take down had more money and connections than the two of them could ever hope to get their hands on. 

But one thing that he failed to recognize right away about Emma was that she’s always been grossly ambitious. 

“The file you gave me also mentioned na he was hoping to insure his new house in Incheon,” she pointed out. “Care to tell me why you decided to include that?”

“I know you told me not to involve the company in this as much as we can, but I couldn’t think of any other way to penetrate into his circle.” Wonwoo adjusted his necktie, suddenly feeling like he’s being watched by the hawk that was his boss. “I’ve been told that he’s wary of people. Side effects of the cocaine, probably. Though the info broker sounded like he was joking, it’s best to be wary of him. If he can hide behind the protection of his management and his family, we need to play our cards right and protect ourselves, too.”

Emma took a moment to process what her secretary just told her, nodding slowly before closing the folder containing Ezra’s file and locking it inside a hidden drawer beneath her desk. 

“Oh, Wonwoo. If only all men were as intelligent as you are,” she sighed, getting up from her seat before pinching his face. “Good work. Let's go out for drinks later. My treat.”

Wonwoo's face twisted with confusion. “For what? Doing my job?”

Emma rolled her eyes. “For going above and beyond every single time. You think you're only good at doing dirty work? At being my errand boy? You never fall behind your quotas here in the office either, you know. I think that in itself is a cause for celebration.”

Now that she’s reasoned it out, Wonwoo was even more weirded out by this strange turn of events. In the six months that Emma Rodriguez has spent as the head of PLEDIS Insurance’s Finance head, she never failed to uphold that arctic cold façade. She treated both executives and regular employees with the same degree of cut-throat harshness. 

And that’s when Wonwoo realized that she didn’t really treat him the way she treated them.

Huh. Did the Ice Queen have a melting point after all?

Despite his extensive protests, however, Wonwoo let Emma rope him into grabbing dinner and drinks at a food hub several districts away from their office. The fewer people who could recognize them outside, the better. Of course, he pleaded and reminded her several times that she was his boss and she really didn’t have to—

“Hey! Keep drinking!” Emma slurred with a huff, face red from the alcohol as she pushed another pint of beer into Wonwoo's face. “Why aren't you drunk yet, huh, Wonwoo Jeon? Are you God? Maybe that's why you're so good at obtaining information for me. Ah! No! Maybe you're the devil! Right, what we're doing isn't exactly good nor is it legal…”

Wonwoo exhaled long and hard as his boss continued blabbering nonsense across from him at their shared table. One glance at the smartwatch on his wrist told him that it was near midnight and that he should probably bring Emma home before she could make a scene. 

But…maybe they could stay for a few minutes more.

“Miss Emma? Are you sleepy?”

“Hm? Why would I be sleepy? We're drinking, aren't we?” 

“You're half-asleep on the table, so.”

At the prospect of being called out, Emma quickly shot into an upright position—looking around to see if anyone caught her drooling. When she realized she was in the clear, she narrowed her eyes at Wonwoo.

“Not a word about this in the office,” she warned, using one of the finished barbecue sticks on their empty plates to threaten him. “But...yeah. Alcohol makes me sleepy. Drive me home.”

Not even a please. This woman was really shameless even when drunk.

Not a peep of complaint was heard from Wonwoo when he drove Emma all the way to her condo unit in uptown Poblacion. Though he had to practically carry her inside and even help her out of her clothes and into her pajamas (at her request, not his own initiative), he simply told himself this was all part of his job. 

When his boss was safely tucked in bed, he was ready to bid her farewell and head back to his own place to catch up on some sleep. But for someone who was intoxicated beyond belief, Emma was still quite aware of her surroundings. The moment Wonwoo took a step away from her bed, her hand shot out to grab ahold of his wrist, making Wonwoo look back at her with an eyebrow raised.

“Wonwoo,” she murmured, face still smothered in her pillows despite her tight grip. “Can you stay?” 

“There's nowhere for me to sleep,” he chuckled. “I should go.”

“Then sleep next to me.”

The furrow on his brow merely deepened. He’d ask her to repeat what she said, but Wonwoo could recognize that Emma wasn’t really in the headspace to be reasonable right now. So instead of refuting her wish, Wonwoo carefully pried her fingers off his wrist so he could take off his work coat and fold it neatly on top of her vanity table.

This is all part of the job, he told himself.

Wonwoo laid on his boss’ duvet perfectly still. He didn’t want to make the mistake of touching her when he didn’t have explicit permission to do so. He was merely told to sleep next to her after all—nothing else.

But about fifteen minutes after he lied next to her, Emma shifted on her side of the bed—turning to him with a sleepy look in her eyes.

“You know,” she whispered, so softly, he would’ve missed it if he wasn’t as observant as he was. “I hoped...so hard back then that you would help me when I needed it. But you never did.”

Emma probably won’t remember what she mumbled in her drunken stupor in the morning. But the sadness and honesty that underlined her words sent him back about ten years into the past. To a time when he was a much greater evil than those who directly wronged her.

An apology sizzled across the tip of his tongue—something that’s a decade overdue. But before Wonwoo could hope to let her hear his piece, Emma’s breathing had become even and shallow. 

She was already fast asleep.

He sighed, staring up at the dainty ceiling of her bedroom as he chuckled helplessly to himself.

“That’s why I’m making up for it now.”

If Gavin’s case was a walk in the park, Ezra’s was an Olympic-level marathon.

Wonwoo didn’t want to dwell on the details anymore. To cut it short: he was going to cross out ‘exposing a notorious drug lord’ off his bucket list without thinking of doing it again ever. While he managed to get out unscathed during his investigation, it just so happened that their final altercation with Ezra ended up putting Wonwoo in the hospital. 

But so what if he fractured a couple of ribs trying to save Emma from being killed by that drug-addicted lunatic? As long as their goal to bring Emma’s enemies down was achieved, he’d gladly sustain any life-threatening injuries.

Which was, admittedly…strange. 

Long before Emma came into the picture as his boss, Wonwoo never would’ve pictured himself risking his neck for the benefit of someone else. Though he had an entire arsenal of skills and knowledge at his disposal, it would take more than just his generous salary to get him to put them to good use.

But with Emma, he found himself utilizing whatever means to help her exact her revenge—on people he once called his friends, much less.

He must be going insane. 

“Wonwoo…?”

Funnily enough, he ended up recalling everything that happened over the past two weeks first before recognizing that he was just regaining consciousness in the intensive care unit. Wonwoo's eyes hurt because of how bright the fluorescent lights were overhead, but for some reason, he didn’t flinch away from her relieved smile when it was a million watts brighter than the hospital’s indoor lighting.

“Good…day, ma’am,” he croaked out awkwardly, belatedly realizing that he didn’t know what time it was. “What day is it? Did someone fix your schedule for today? Did someone go over your meal plans in my stead? Were you—”

His endless stream of questions was interrupted by hacking fit—making Emma scramble for a glass of water on the table by his hospital bed, a concerned look lining her gaze.

“Don't talk too much,” she scolded him as he finished his drink. “You’ve been out for two days, idiot.”

Two days? 

Needless to say, he couldn’t do a thing about it once his boss started fussing over him. She called over doctors she personally knew and handpicked only the most competent of nurses to look after Wonwoo. How Emma could be the judge of that, Wonwoo wasn’t very sure, but he gladly let her take care of him for a change. 

After all, they successfully concluded another chapter in Emma’s little revenge story.

“When are we going to start with Leo?”

Wonwoo brought the matter up about three days after he woke up, right in the middle of eating the stale hospital food served to him for dinner. Emma, who was snacking on some takeout fast food, hummed before tossing a french fry into her mouth.

“You're not even healed yet, and you're thinking about work?” she sighed before pointing a fry in his direction. “I’m still paying you your regular wage even if you're stuck here. You don’t have to worry about making ends meet so much, Wonwoo. You just need to rest—”

“But I don’t want to rest, I want to be useful to you,” he interrupted her gruffly, which was strange of him because he never interrupted his employers. 

For a moment, Wonwoo thought he’d be on the receiving end of a verbal lashing even if he was still recovering. Emma never let other people talk back to her without consequences. But instead, his boss threw her head back with a laugh that bordered on a snort. It’s a look that Wonwoo had seen on her time and time again—a look that he noticed Emma only showed to him. 

Back then, he didn’t really think of her smile all that much. But now…

“You’re being useful enough just by being alive, Jeon,” she reassured him, that grin of hers unwavering. “Enough questions about Leo. I'm not even thinking about him yet because compared to the previous two? He’s a lot easier to track down.”

Wonwoo shot her a puzzled look. “What do you mean?”

“Same approach lang with Ezra.” She flashed him a toothy smile. “We’re going to get him to insure some of his properties under PLEDIS. But instead of us going to him, he'll be going to us instead.”

“I…? Sorry, ma’am. I don’t follow.”

Emma stifled a soft laugh behind her palm, unwrapping the burger included in her takeout meal before taking a bite of considerable size. “The Choi Corporation is expanding a chain of shopping malls somewhere in Jeju. Leo Choi personally contacted our CEO and there we have it: another big shot client.”

Another person to drag down to hell.

“Is that good enough for you?” 

Wonwoo was still processing the news as they both finished up their respective meals. He should probably be glad that Emma didn’t decide to put their secret operation on hold just because he was out of commission. But something about how smoothly they’re progressing into the next phase of Emma’s big revenge plan that made him wary of treading any further. 

He felt like he was being paranoid—probably the aftermath of almost crossing to the other side because of what happened with the Ezra incident. Wonwoo couldn’t help but be wary of any and all threats to both his life and Emma’s, and it was for a good reason.

“Okay,” Wonwoo breathed, wincing a little when he felt the spot where his ribs broke ache at how fast he inhaled. “What do you want me to do for now? Investigate? Trace his whereabouts?”

Emma’s smile suddenly turned ice cold. “I want you to rest, Wonwoo. Do I have to keep repeating myself?”

“But—”

“No buts. Boss’ orders—I'm your boss, right?” 

Ah, there’s the Ice Queen they all knew and loved. 

Fine. Maybe he could use a break from all that quote-unquote field work he just did. But one thing about his entire hospitalization still remained unanswered.

“What did you tell HR? About…this?” Wonwoo gestured towards his battered but healing body. “You’ve got the charisma, but I’m pretty sure it’s difficult even for you to go into cahoots with the other employees of PLEDIS. Much more, our human resources head.”

Emma waved away his concerns with a shake of her head. “You're so persistent, aren't you? Don’t think about HR. Or Leo. Or the rest of our plans. Can’t you be a normal salaryman and be happy that you have a break from all the things I make you do?”

“I told you, Miss Emma. I just want to make myself useful.”

“And I told you that you're the least useful in your current state. So give. It. A. Rest,” she threatened, putting emphasis on every syllable. 

But behind her intimidating façade was someone who actually cared for him. The details were still a bit muddled in Wonwoo's head, but he remembered being rushed to the hospital in an ambulance. Remembered how Emma never let go of his hand as they made the trip all the way. And how he heard her pray for him to make it out alive despite being a well-known agnostic.

Once their conversation had mellowed down, he laid back against the steady elevation of his bed, watching the scenic city lights glimmer outside the window of his hospital room—just behind the woman who made his life a lot more interesting.

He couldn’t wait to be useful to her again.

“I hate this. I fucking hate this so much.”

Wonwoo spared his employer a quick glance as she practically glared at her reflection in the full-length mirror. He’d been browsing through a sports car catalog tucked underneath the hotel’s coffee table, but watching Emma have a furious meltdown about her wedding was more worth his time. 

“You're the one who said that there'll more benefits if you accepted the marriage proposal,” her secretary reminded, crossing his legs as he leaned back on the couch he was sitting on. “Don’t say I didn’t warn you.”

“Of course I was just…gaslighting myself about this entire fucked up situation!” Emma growled as she stomped over to him with a scowl. “Can’t fucking believe my dad agreed to marry me off just like that, too. After all his talk that I needed to love whoever I'm supposed to marry...”

Wonwoo shrugged. “Anyone can be blinded by money—especially if it's from the Chois.”

“Even you?”

It’s a question that sunk into the room with a rhetorical implication. Emma was quick to exchange the earrings her stylist chose for her with something more suited to her taste—a pair that didn’t sparkle all that much but was worth more than six months of Wonwoo's salary. In her reflection on the vanity mirror, he could clearly see the way her red lips parted in concentration as she clipped the earrings in place. 

“No,” Wonwoo responded even if he knew she wasn’t looking for an answer. “I’m more easily blinded by other things, ma’am.”

Emma glanced behind her with a puzzled look, not getting his drift. “Like what?” 

Wonwoo didn’t dare think twice. 

He got up from his once comfortable position on the couch, closing the distance that sat between him and Emma in long, calculated strides. She didn’t seem fazed by his sudden need to walk over, but the moment Wonwoo was behind her, she stiffened when he reached a hand in front of her face. Then, with a firm yet featherlight touch, her secretary wiped off the lipstick that stained past her lip line with his fingers—not once breaking eye contact with her in the mirror. 

“It wouldn’t be fun if I told you, now would it?” He smiled before pulling his hand back. “I need to keep you on your toes sometimes, too, Miss Emma.”

He half-expected her to scoff and brush off his attempt at being smart with her. Emma was a no-nonsense kind of person, and with the wedding happening soon, Wonwoo understood why she’d be more high-strung than usual. 

But instead of acting the way she always did with him, Emma took Wonwoo by surprise when she fisted his silken necktie in her manicured nails, tugging him down so that their eyes were leveled with each other. Normally, that wouldn’t be enough to wrestle Wonwoo into complete submission, but this was his boss they were talking about.

There’s a glint in those sharp eyes of hers that had his heart beating off the charts. This wasn’t the gaze of someone entitled the Ice Queen of their office. No, there’s something warm in there—borderline sensual. And before Wonwoo could even hope to figure out what it was, Emma was already closing her eyes and sealing their lips together like some unspoken pact. 

It’s an inconsequential kiss. Wonwoo has made out with both men and women alike—all desperate gasps and lust-fueled passion—but somehow, none of those experiences could hold a candle to the way Emma Rodriguez pecked his lips for a fraction of a second before pulling away. 

“You're getting more and more insufferable,” she muttered, resting her forehead against his. “You were never this cheeky before. What happened?”

You, he wanted to tell her. You happened.

At that point, Wonwoo's brain was merely operating on carnal instinct alone. He lunged forward to capture her lips again, making her gasp in surprise as he snaked a strong arm around her waist. Thank fucking god Emma’s wedding dress had a simple design—no pretentious frills to obstruct his movements. 

Despite the fact that this woman—his boss—was getting married in less than two hours, Wonwoo couldn’t even give a damn. He swiped all the makeup boxes and accessories off the vanity table, propping Emma up on the horizontal surface as he kissed her until she saw stars. 

“Wonwoo,” she sighed against his lips, thighs inching apart as he bunched the long hem of her gown up to her waist. He wondered distantly if Emma was going to ask him to stop—to see reason. But the glazed look in her eyes told him otherwise.

“More.”

Wonwoo wanted nothing more than to give her more. He’d do everything she could ever dream of asking him. Never mind the fact that it was more than a little messed up for him to consider fucking his boss right before she’s married off to the man who tormented her endlessly at sixteen. 

Nobody else mattered—not Leo, not the director, not even Emma’s intricate revenge plot that was years in the making. At that moment, only the two of them existed, only separated by a few layers of clothing before they could finally become one. 

But Wonwoo was abruptly reminded why he always chose reason before ambition long before he met Emma. Dreams and delusions were bound to end when you least expected them to. Reality, on the other hand, would always remind you of life’s harshest truths.

“Miss Emma?” They both could hear the voice of Leo's personal assistant outside the door to the hotel room, preceded by a few short knocks. “It’s time for your prenup shoot. Director Rodriguez is also looking for Sir Wonwoo. Is he in there with you?”

Whatever dream the two of them have fabricated only minutes ago had been erased from existence—all that was left was a bride-to-be with her dress ruffled in all the wrong places, and a pitiful secretary with red lipstick stains adorning his face.

“Yeah, he’s here with me,” Emma yelled over to the doorway, eyes refusing to part from Wonwoo's. “We’ll be down soon. Thanks, Christina.”

“Okay, ma’am. I'll just wait for you in the lobby.”

Wonwoo counted to ten before peeling himself away from Emma, quickly striding towards the bathroom to get some tissues both for himself and his employer. But while he was wiping off the lipstick on the corners of his mouth, Wonwoo immediately noticed the shift in the atmosphere.

Emma was already busy straightening herself out—smoothing down the creases in her gown and retouching her makeup as best as she could without her stylists. Wonwoo wouldn’t have minded the silence, it’s exactly the kind of setting he preferred working in. 

But just when he thought he’d managed to melt the Ice Queen’s heart over the past year, she turned arctic cold all over again. 

“After the wedding, tell my driver to accompany me to Leo's penthouse. Though I despise the idea, we have to go home together to keep up the act for everyone to see.” She gave her orders the same way she used to tell Wonwoo to sort the company’s financial reports—straight to business with little room for playing around. “Other than that, I don't have any more orders. You can rest easy for the day, Wonwoo.”

He felt like he should say something to address what just happened between them five minutes ago. To ask why she was pretending as if they weren’t breathing each other in like all the oxygen on the planet had gone in a flash. But Wonwoo wasn’t some desperate fool that overestimated his place in Emma’s life. 

“Duly noted, ma’am,” he muttered with the same degree of aloofness she’d just given him before tossing the soiled tissues in the trash. “I’ll be waiting for you outside.”

Emma didn’t even break face as Wonwoo's footsteps resounded on the carpeted floor. She didn’t even spare him a second glance. But then again…

He was her secretary, and she was his employer. 

That was all there was to it.

Much to Wonwoo's surprise, Leo's case was closed much sooner than he thought it would be.

Before Emma could even make it to the cathedral, the commotion had already started. Wonwoo had arrived earlier in the venue with Emma’s father, the director of PLEDIS Insurance, and were just about to take their seats among the other principal sponsors when the television screens mounted all over the church suddenly started playing a video.

A video that Wonwoo has already seen before.

He didn’t have to glance at Leo to know that he was sporting the most horrified look he could muster upon seeing one of your many sex scandals having an impromptu screening at the cathedral. Collective gasps and disgusted remarks were heard in a chorus of murmurs that reached all the way up to the high ceilings. 

Wonwoo could hear Leo's assistant, Christina—who turned out to be part of the sex parties her boss secretly indulged in—barking orders for the church staff to cut the feed. But it was too late. Those who needed to see the truth have already gotten their fill.

Recognizing that his daughter couldn’t possibly be wed to a man with a reputation that’s been tarnished in a church, of all places, Director Rodriguez ordered Wonwoo to contact the bridal car driver and tell him to send Emma straight home instead. It’s a job that Wonwoo got done fairly quickly, and despite the numerous text messages that Emma sent him demanding answers about what happened, he didn’t respond to any of them right away. 

After a few hours of digging around, Wonwoo eventually found out that one of Leo's cousins was behind the public exposé. Apparently, said cousin was able to obtain the same footage that Emma acquired and was able to sabotage Leo's attempt at seizing their family riches before Emma could even put her plans into motion. 

Well, at least someone else already did the dirty work for them.

As usual, Wonwoo collated all the information he’s gathered in a concise email. This was how he kept Emma up to speed about their progress—through self-destructing emails. He informed her about the involvement of Leo's cousin and how the trash had taken itself out, ensuring that Leo Choi had fallen from the false pedestal he’s clung onto for years.  

Their behind-the-scenes mission has been fulfilled.

While he didn’t expect Emma to respond enthusiastically, receiving radio silence in return wasn’t something Wonwoo had anticipated either. But he opted not to read into it much. She must’ve been royally pissed that Leo's demise wasn’t brought about by her own hand, and Wonwoo respected that.

The following Monday after the canceled wedding, however, he ended up finding out the reason behind her silence. 

“Boss,” sobbed Seokmin when Wonwoo timed in at the office. “Please don't leave!”

Immediately backing him up was Soonyoung, who didn’t hesitate to hug Wonwoo, even giving him a few pats on the shoulder as if they were old drinking buddies. “It's okay, Sir Wonwoo. You've been here long enough. Maybe it's about time you found your path elsewhere.”

…Huh?

“What are you talking about?” Wonwoo voiced out his confusion. “You’re speaking like I got fired.”

As if on cue, the third member of their trio walked in on the conversation as he sipped on his usual iced americano. Seungkwan stared at Wonwoo with a puzzled expression before saying:

“But weren't you fired, sir? Miss Emma announced it this morning, but I think she left right away after, too.”

Not privy to the way the pieces started to click in his head, Seokmin and Soonyoung kept consoling Wonwoo as he made his way to his (old) cubicle. Emma had been one step ahead too—someone already having packed away most of his belongings in storage boxes. Not to mention the notice of contract termination sitting on his desk. Effective immediately, it says.

“I really don't get it though” Seungkwan droned behind him. “You? The best secretary in the city? Fired just like that?”

Seokmin nodded. “I don't understand it either. You two were business-as-usual after the wedding. Miss Emma must've been so pissed that she didn't get married that she laid off the boss here.”

“True,” Soonyoung agreed with a snicker. “Boss, maybe Miss Emma's just being unreasonable. I bet she'll be begging for you to come back in a few days' time.”

Yeah. That’s what the situation would seem like to an outsider. But Wonwoo knew perfectly well that Emma wasn’t bluffing about this. She fired him for a reason that’s been stewing for more than a decade. Even if Gavin, Ezra, and Leo have had their taste of justice, Emma’s revenge plot wasn’t finished like Wonwoo thought it was.

Because Wonwoo was one of her targets all along, too.

I hoped...so hard back then that you would help me when I needed it. But you never did.

“Where is she?” 

Seungkwan perked up. “Uh, maybe she went home? She told us something about feeling a bit under the weather?”

Seokmin nodded. “She's probably in her penthouse or something. If i were you, I'd start making it up to her.”

“Hey, you're talking like they're actually dating,” Soonyoung scolded with a laugh.

Not even bothering to thank them, Wonwoo turned on his heel and made a beeline for the office entrance—dead set on doing exactly what Seokmin jokingly suggested.

This is why I'm making it up to you, he mused with an exasperated air as he buckled up in his car. 

Can’t you just let me in?

Emma spent her first Monday after the entire wedding disaster with Leo holed up in her unit—stuffing herself full of ice cream. The only reason she bothered going to the office today was to formally announce that her secretary Wonwoo Jeon was fired—just like she’d been planning since the moment she met him again as her secretary after all these goddamn years.

Her high school bullies have been put in their place. Her fifteen-year revenge plot was finally over.

But why did she feel so fucking depressed about it?

She sighed pitifully when she realized she’d already emptied her tub of double dutch ice cream, finally deigning to get up from the couch to deposit it in the kitchen for later disposal. But just when she was about to continue moping in her living room, the doorbell to her unit buzzed from the entrance, making her glance that way curiously.

It could be her next-door neighbor. A kind, elderly woman who lived with her daughter. She borrowed Emma’s rosemary spices yesterday—something that she barely used because she often opted to go for food deliveries instead of whipping up her own meals. 

With that reasoning in mind, she didn’t bother checking who was at the door through the peephole. She simply undid the locks before opening the door—only to come face-to-face with—

“Hey,” Wonwoo sighed as he jammed his foot between the door and the doorframe. “Ma’am, please talk to me first. Did you think I wouldn't catch onto what you were trying to do?”

“Why do I have to explain myself to you? You’re fired, right?” Emma growled as she pushed the door with her back, but sadly, Wonwoo easily overpowered her. At least he was decent enough to not let himself in—he simply lingered out in the hallway with a placid look on his face. “What?”

“Emma,” her ex-secretary addressed her for the first time without any formalities. “If you fired me as vengeance for not helping you all those years ago, I get it. I deserve it, even. But after what happened sa hotel…

“You can’t convince me there’s nothing between us anymore.”

Her breath hitched, face growing warm at the reminder of that intimate moment they shared hours before she was supposed to get married. Whenever she closed her eyes, she could still feel Wonwoo's mouth on hers. But that wasn’t a thought that was healthy to entertain at the moment.

“What are you saying? That was all part of the plan, you know?” She bluffed with a mirthless laugh, fully turning to face him as she crossed her arms. “Make you smitten enough with me to let your guard down. Look, you didn't expect me to fire you, did you?”

“No, but you can’t fool me, Emma,” Wonwoo chuckled with a self-satisfied smirk. “You wanted me too—that was real. If I’m mistaken, then make me leave. Call security on me. If I’m the nuisance you so desperately want me to be, then get rid of me here and now.”

The silence was thick between them. Emma was practically shaking with frustration as Wonwoo stared down at her with that overconfident look on his face. She wanted nothing but to punch him, hit him, slap him—

Kiss him.

Maybe Wonwoo was right. Maybe Emma did want him more than she led herself to believe. 

Because why the hell did she fist the front of Wonwoo's work shirt before pulling him inside her penthouse? Why did she slam him against the door, earning a sexy groan from him as she crushed their lips together?

Was this a healthy way to deal with your current predicament? No—definitely not. But it felt too fucking good to pass up on.

Wonwoo, however, was all too quick to regain control—hooking one of Emma’s thighs around his waist as she gasped into his mouth. She could practically feel him smirk against her lips, and though she’s loath to admit, it only made her want him even more.

“You’re not getting rid of me that easily,” he chuckled before peppering her neck with love bites. “You might need to kill me first before I stop pursuing you.”

Emma spared him a breathless laugh that quickly melted into a moan when Wonwoo's hand found itself inside her oversized sleep shirt. “If I didn’t know better, I’d think you were obsessed with me, Jeon.”

His fingers were warm against her skin, and Emma couldn’t help the full-on shudder that racked her body when Wonwoo grazed her bare nipples. The smile on his face was wicked—dangerous, even. 

“Maybe I am,” he chuckled, his breath fanning against her flushed face.

“What would you do if I was obsessed with you, Ma’am?”

Emma was well aware that Wonwoo knew the answer to his own question. It was obvious in the way he quickly picked her up from the floor, fully wrapping both her legs around his waist as he carried her towards her bedroom. But despite the carnal urgency in his grip, Wonwoo was awfully gentle as he laid her down on the mattress.

“Last chance to kick me out,” he murmured against her ear as he started unbuttoning his shirt. “You could exact your revenge on me even better, ‘no? I’m giving you the leeway to frame me for forced entry…among other things.”

God. She knew Wonwoo was a little crazy when he accepted Emma’s orders to help her make his old best friends suffer. But the way he looked at her with such crazed desire further confirmed her suspicions.

And she didn’t want her men any other way.

“Fuck me, Wonwoo,” she told him clearly before stripping her own clothes and laying herself bare for him to feast on—eyes lidded, desiring him just as much as he did her. “That’s an order.”

He shook his head with a chuckle, and Emma had to force herself not to drool over his perfectly built torso. If she had more patience, she would’ve taken her time worshiping every inch of Wonwoo's body, but he’d already set a fire in the pit of her stomach. One that she fully expected him to deal with sooner than later.

“So wet for me,” he observed with a lopsided smirk, pressing their foreheads together as he lathered his fingers with her slick. “Have you always wanted me this way? Do you touch yourself to the thought of me, Miss Emma?”

Yes. Fuck, yes. 

“That’s none of your business, Jeon,” Emma stubbornly insisted, keeping herself from moaning when his lips descended onto one of her hardened nipples. 

Wonwoo made good on the opportunity, using the fingers he’d used to feel up her slick cunt to rub her essence across the other bud he wasn’t suckling on. The effect was near immediate—Emma throwing her head back with a pretty little whimper as Wonwoo started to massage her breasts. 

Fuck. He’d always dreamed of getting to smother his face between them.

“Wonwoo,” she gasped out loud, hips bucking desperately when he bit down on her sensitive flesh. “F-Fuck me. Now.” 

“Demanding.” He pulled away from her sensitive nipples with a pop, staring up at her with a lustful gaze. “You enjoy ordering me around too much, you know?”

“You enjoy being ordered around, too,” Emma pointed out with a scoff, trying her best not to moan too loudly when Wonwoo's fingers started to toy with her leaking cunt again. “Just—I need you. Please.”

Ah, he never thought the day would come when he’d hear Emma Rodriguez begging for his cock.

“Okay, Ice Queen,” he relented with a playful laugh, kicking his underwear and trousers off as he pumped his already hard length. “Since you're so eager for me to fuck you, I’m not going to prep you anymore. You better not cry when my cock splits you open, okay?”

Hearing him talk so lewdly to her made her pussy gush with excitement. What’s more was that, not only was her secretary blessed with a face and body that gods would covet, but his cock was something she was afraid she’d keep looking for even when he was done with her.

He was awfully careful when he first pushed inside of her, sharp eyes riveted on her face as it twisted with both pain and pleasure alike. His size was something that one needed getting used to, and he wasn’t about to make his first time with Emma uncomfortable for her.

No, he wanted her to keep thinking about him even after they’ve had their fill of each other.

“Squeezing me so fucking tight,” he rasped against her neck, licking a long stripe along the column of her throat to make her shiver. “Too bad you already fired me. I always wondered what it would feel like to bend you over and fuck you in your office.” 

He could feel her pussy squeeze his cock even tighter at the shameless image she put in her head, making Wonwoo smirk with pride as he started to move. Emma mewled his name, grabbing his face as he chased his lips. He was all too willing to give her what she wanted, meeting her with an open-mouthed kiss as their tongues clashed together in time with his thrusts.

“W-Wonwoo,” she moaned into his mouth, hips eagerly meeting his. “Deeper. Fuck me deeper.”

And fuck her deeper, he did—Emma’s got him wrapped around her pretty manicured fingers, after all. 

Wonwoo was relentless with the way he pounded her into the bed, the sound of skin slapping against skin ringing much too loudly in his ears. But he didn’t fucking care. The feel of Emma’s velvet pussy walls pulsing around his cock sent his mind into a frenzy—fucking her until the bedframe creaked, until Emma was begging him to give her more, more, more—

All of a sudden, she gasped, “Coming, coming—!” 

If being inside her was life-changing, feeling her cum around his cock sent Wonwoo straight to heaven. Her cunt spasmed deliciously as Wonwoo helped her ride out her high—lips locked together as they breathed each other in. 

“Cum inside me,” she murmured deliriously into his mouth, practically rubbing her breasts—sensitive and littered with all the marks Wonwoo left on them—against his toned chest. “Make me yours, Jeon.”

He didn’t have to be told twice.

“God, I love you,” he sighed a little mindlessly, and those carelessly uttered words made Emma’s eyes widen with surprise before losing herself to the feeling of delirium. 

Wonwoo spilled his load inside her quivering cunt with a long-winded moan, feeling like he’d been shot through the head and was experiencing a level of euphoria that bordered on illegal. Emma moaned at the feel of his warm cum filling her to the brim, bringing him down for another sloppy kiss as the heat of the moment started to dissipate in the quiet atmosphere of their bedroom.

As their breaths started to settle, Emma was the first to glance at him—to meet his eyes. Wonwoo couldn’t find any trace of the arctic cold Ice Queen that practically told him to scram the other day at the hotel.

No, it was just Emma. 

His Emma.

“Can I still take back my verdict?” she muttered softly, inching closer to bury her face in his chest. Wonwoo instinctively pulled her in for a tender embrace, kissing the crown of her head with a smile.

“You mean the contract termination?” Wonwoo chuckled. “Take it up to HR, Miss Emma. I’m just a lowly secretary.”

All of a sudden, Emma rolled over so that she was seated upright on the bed. Wonwoo had to keep himself from groaning at the sight of her—hair disheveled and body sporting all his marks. Seeing her freshly fucked by him was doing things to his libido. 

“You’re not just my secretary, Wonwoo,” she sighed, twiddling with her fingers awkwardly. “I…I wasn’t going to fire you anymore. I got used to your company. I…

“I fell in love with you.” 

The words floated between them like a cloud that couldn’t easily be swept up by the wind. Wonwoo offered her a comforting smile before pulling her into a firm kiss.

“Yet you fired me anyway,” he pointed out with a laugh. “Why? You couldn’t deal with the fact that you fell in love with one of your high school bullies?”

That earned him a punch in the shoulder. “You’re not one of them. You’re different.”

“And you’re in love with me too, no? You said it yourself. Since when?”

Shaking his head, Wonwoo then pressed a soft, featherlight kiss on her nose—one that had Emma’s heart fluttering like she was a schoolgirl.

Gosh, this man. He’s fifteen years too late.

“Maybe I’ve always been a little in love with you. Who knows?” Wonwoo spared her a Cheshire cat smile. “There’s more where that came from though.”

Emma punched him in the chest this time—a bit too close to the spot where he broke a few ribs months prior. But he didn’t care.

She could send him to hell and back and he’d do it for her in a heartbeat.

From: Wonwoo Jeon 

Subject: NOT-SO CLASSIFIED

Good evening, Miss Emma. I hope this message finds you well.

I heard that you dealt with quite a stressful client today. I’m very sorry that I wasn’t here to help you with the matter as I was given tasks to do elsewhere. In order to make up for this lapse on my part, I am cordially inviting you to dinner at 7PM tonight after work. 

Rest assured, the expenses shall be shouldered by me and your only job is to sit and look gorgeous as I wine and dine you for the evening. Sincerely hoping for your most favorable response.

Regards, 

Wonwoo Jeon

Secretary, Finance and Logistics Department

PLEDIS Insurance 

Your boyfriend :)

end notes: this wasnt thoroughly proofread so if you spot some strange errors (aka sentences in a different language bc this fic was partly in filipino) here and there, pretend you didn't see em! as always, ur feedback means everything to me so scream in the tags or my ask as much as you want ^__^

[lookingforcactus]

A big cost and concern for many seniors in the U.S. is the price of prescription drugs and other healthcare expenses—and this year, thanks to The Inflation Reduction Act, their costs may go down dramatically, especially for patients fighting cancer or heart disease.

I learned about the new benefits because my ‘Medicare birthday’ is coming up in a couple months when I turn 65. I was shocked that there were so many positive changes being made, which I never heard about on the news.

Thousands of Americans on Medicare have been paying more than $14,000 a year for blood cancer drugs, more than $10,000 a year for ovarian cancer drugs, and more than $9,000 a year for breast cancer drugs, for instance.

That all changed beginning in 2023, after the Biden administration capped out-of-pocket prescriptions at $3,500—no matter what drugs were needed. And this year, in 2024, the cap for all Medicare out-of-pocket prescriptions went down to a maximum of $2,000.

“The American people won, and Big Pharma lost,” said President Biden in September 2022, after the legislation passed. “It’s going to be a godsend to many families.”

Another crucial medical necessity, the shingles vaccine, which many seniors skip because of the cost, is now free. Shingles is a painful rash with blisters, that can be followed by chronic pain, and other complications, for which there is no cure

In 2022, more than 2 million seniors paid between $100 and $200 for that vaccine, but starting last year, Medicare prescription drug plans dropped the cost for shots down to zero.

Another victory for consumers over Big Pharma affects anyone of any age who struggles with diabetes. The cost of life-saving insulin was capped at $35 a month [for people on Medicare].

Medicare is also lowering the costs of the premium for Part B—which covers outpatient visits to your doctors. 15 million Americans will save an average of $800 per year on health insurance costs, according to the US Department of Health and Human Services.

Last year, for the first time in history, Medicare began using the leverage power of its large patient pool to negotiate fair prices for drugs. Medicare is no longer accepting whatever drug prices that pharmaceutical companies demand.

Negotiations began on ten of the most widely used and expensive drugs.

Among the ten drugs selected for Medicare drug price negotiation were Eliquis, used by 3.7 million Americans and Jardiance and Xarelto, each used by over a million people. The ten drugs account for the highest total spending in Medicare Part D prescription plans...

How are all these cost-savings being paid for?

The government is able to pay for these benefits by making sure the biggest corporations in America are paying their fair share of federal taxes.

In 2020, for instance, dozens of American companies on the Fortune 500 list who made $40 billion in profit paid zero in federal taxes.

Starting in 2023, U.S. corporations are required to pay a minimum corporate tax of 15 percent. The Inflation Reduction Act created the CAMT, which imposed the 15% minimum tax on the adjusted financial statement income of any corporation with average income that exceeds $1 billion.

For years, Americans have decried the rising costs of health care—but in the last three years, there are plenty of positive developments.

-via Good News Network, February 25, 2024

[flcareclaims]

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Consider Professional Assistance: Dealing with insurance claims can be complex and overwhelming, especially in the aftermath of a disaster. Consider seeking professional assistance from a public adjuster or an attorney specializing in insurance claims. They can advocate on your behalf and help navigate any challenges that arise during the process.

Navigating a water damage insurance claim tips can be a daunting task, but with the right guidance and preparation, you can increase your chances of a favorable outcome. At FL Care Claims, we are committed to helping our clients through every step of the claims process, from initial assessment to final settlement. Visit our website (https://flcareclaims.com/) to learn more about our services and how we can assist you in recovering from water damage effectively. Don't let water damage stand in the way of restoring your property and peace of mind – reach out to FL Care Claims today.