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Chapter 4 - Chapter 4: Billion-Dollar Minimum

The invitation arrived on thick ivory paper.

Not an email.Not a call.

A challenge.

Ace Charles studied it without expression as it lay on his desk, the firm's logo reflected faintly in the gold-embossed lettering.

Emergency arbitration.International banking dispute.Estimated exposure: $1.2 billion.

Ace nodded once.

Accepted.

Fight #56Opponent: Global financial leverageStatus: Initiated

Across the firm, the news spread fast.

"Ace is taking a case."

That alone was enough to disrupt the day.

Harvey Specter leaned against Donna's desk, scanning the file she'd just handed him.

"International banking?" Harvey muttered. "That's a mess even for me."

Donna raised an eyebrow. "He didn't even ask for help."

Harvey smirked. "He's about to learn why no one likes that sandbox."

Donna didn't respond.

She'd already read Ace's annotations.

This wasn't bravado.

It was preparation.

The arbitration chamber overlooked Manhattan from the forty-seventh floor. Glass walls. Polished steel. Power disguised as neutrality.

Ace entered alone.

No entourage.No associates.

The opposing counsel stood immediately.

Victor Hale. Late fifties. Sharp suit. Sharper reputation.

He smiled thinly. "Mr. Charles. I expected someone… older."

Ace met his gaze.

"I expected someone competent," he replied calmly.

A ripple of tension passed through the room.

Victor chuckled. "Confidence is charming. Experience is lethal."

Ace took his seat.

"Then this will be educational," he said.

The panel convened.

Proceedings began.

Victor spoke first, laying out the bank's defense—complex derivatives, offshore compliance, regulatory gray zones.

Ace listened.

Not passively.

He mapped.

[LAWYER SYSTEM — ACTIVE]Argument Integrity: 78%Vulnerability Nodes: 6 detected

When Victor finished, he smiled again. "Your turn."

Ace stood.

He didn't raise his voice.

He didn't dramatize.

He spoke as if the outcome had already been decided.

"The defense rests on opacity," Ace said. "They assume complexity equals protection."

He tapped the screen.

Charts appeared—clean, precise.

"Here is the transfer path. Here is the concealment method. Here is the intent."

Victor's smile faltered.

Ace continued.

"You laundered liability through three jurisdictions and disguised exposure as hedging. That's not innovation."

Ace paused.

"It's fraud."

Gasps rippled through the room.

Victor snapped, "That's an allegation."

Ace nodded. "And this is proof."

He displayed internal emails. Time-stamped. Verified.

Victor's hands clenched.

"You shouldn't have access to that."

Ace met his eyes.

"You shouldn't have written it."

Silence fell.

The panel exchanged glances.

Within forty minutes, the ruling came down.

Full liability.

Victor sat back, defeated.

Fight #57Result: Decisive victory

Back at the firm, Louis Litt stared at the settlement notice.

"Holy—" He stopped himself. "He ended it in under an hour."

Jessica exhaled slowly.

"He didn't argue," she said. "He dismantled."

Harvey leaned back in his chair, arms crossed.

"That wasn't law," he muttered.

Jessica glanced at him.

"No," she agreed. "It was strategy."

Harvey didn't argue.

For once.

Ace returned to his office as if nothing had happened.

Another associate attempted to bring him a case.

"Three hundred million," she said nervously.

Ace didn't take the folder.

"Below threshold," he replied.

She hesitated. "But it's politically sensitive."

Ace looked up.

"If it can't shake a system," he said, "it's irrelevant."

The associate nodded and left.

Louis lingered in the doorway.

"That rule," Louis said, "the billion-dollar minimum—people think you're insane."

Ace raised an eyebrow. "Do you?"

Louis hesitated.

"No," he admitted. "I think you're… filtering."

Ace smiled faintly.

"Exactly."

Fight #63Opponent: Resource dilutionStatus: Eliminated

That evening, Ace stood alone in his office, city lights stretching endlessly below.

His phone vibrated.

Unknown number.

He answered.

"Yes."

"You humiliated Hale," a woman's voice said calmly. "That wasn't necessary."

Ace listened.

"Necessary is subjective," he replied.

A pause.

"I'm Evelyn Vale," she said. "We haven't met. Yet."

Ace's system flagged the name instantly.

[IDENTITY MATCH]Evelyn ValeIndustry: FilmNet Worth: HighInfluence: Global

"I know who you are," Ace said.

She laughed softly. "Of course you do."

Another pause.

"You don't waste anything," she said. "Not your intelligence. Not your power. Not yourself."

Ace considered.

"Neither do you," he replied.

Silence stretched—not awkward. Measured.

"We'll meet soon," Evelyn said. "I want to see if you're as precise in person."

Ace looked out at the city.

"You will," he said. "And you'll find I don't miss."

The call ended.

Fight #71Opponent: Emotional unknownStatus: Pending

Later, Harvey stood in the hallway outside Ace's office.

He didn't knock.

"You don't play fair," Harvey said.

Ace didn't turn.

"Fairness is a construct," Ace replied. "Efficiency is real."

Harvey smirked. "You're making enemies."

Ace finally faced him.

"Good," he said. "That means they see me."

Harvey studied him for a long moment.

"Just remember," Harvey said, "this place eats prodigies."

Ace's golden eyes didn't waver.

"It will choke," he said calmly.

Harvey laughed despite himself.

Fight #79Opponent: Harvey Specter's skepticismStatus: Diminishing

By midnight, Ace reviewed his internal metrics.

Seventy-nine fights logged.

None wasted.

None unnecessary.

The firm was adapting.

The city was watching.

And Ace Charles?

Ace was only warming up.

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