06

2- risk assessment.

The world was finally, blessedly quiet.

I was standing on a beach where the sand felt like powdered sugar between my toes, cool and soft, rather than the burning heat of a city sidewalk. There was no hum of a distant air conditioner, no ping of a work email, and certainly no sound of traffic. The ocean was a perfect, deep turquoise that stretched out forever, and the only task on my to-do list was to watch the tide roll in. I was wearing a white linen dress that caught the breeze, and for once, my brain—that frantic, analytical machine that usually lived three weeks into the future—was completely still.

I sat down on a piece of driftwood, opening a book whose pages were blank, waiting for me to write whatever I wanted. No numbers. No projections. No urgent deadlines. Just the rhythmic, soothing pulse of the water.

Then, the ocean began to change. The waves didn't sound like water anymore. They started to sound like footsteps—heavy, rhythmic, and echoing. The turquoise blue of the sky began to flicker, turning into a dull, yellowish white.

The smell of salt air was replaced by something faint and floral... was that jasmine?

The driftwood beneath me started to shake. It wasn't a gentle tremor; it was a violent, wood-on-wood rattle that vibrated through my very bones.

The peaceful silence of my private beach was shredded by a voice that sounded like a foghorn.

“RUHANI!”

The beach vanished. The white dress turned into my tangled cotton sheets, and the cool sand became the heavy weight of my duvet.

I groaned, squeezing my eyes shut so hard I saw stars, trying to grab the edge of that dream before it drifted away forever. But it was gone, replaced by the reality of a Saturday morning in the Rai household.

The sunlight wasn't just bright; it was a personal attack.

I was currently pinned under my weighted blanket, trying to convince my soul to return to my body, when the rhythmic thumping began again. It wasn’t a polite, "good morning" knock. It was the heavy, wood-rattling sound of someone who had decided that peace was a luxury I didn’t deserve at 8:00 AM.

“Five more minutes,” I mumbled into the mattress. My throat felt like I’d swallowed a handful of dry sand, a souvenir from staying up until 2:00 AM color-coding financial spreadsheets for the firm.

My brain felt like a browser with too many tabs open, and all of them were crashing.

The banging intensified, vibrating through the headboard. I could practically hear the door hinges weeping.

“Open the door before I tell Dadi you’re ignoring her breakfast again! She’s already started the lecture on how parathas lose their soul if they get cold!”

Kabir. Of course. My cousin, the human equivalent of an un-skippable YouTube ad. I squeezed my eyes shut. I knew his threats weren't empty; Dadi’s lectures on the "importance of the first meal" were longer and more terrifying than most of my quarterly audit reports.

“If you break my door, Kabir, I’ll make sure your future children inherit your stupidity! It’ll be a genetic tragedy!” I yelled back, my voice cracking at the end.

The click of the latch told me my threats were useless. The door swung open with a flourish that said boundaries were meant for other people, not the Rais. I didn't even have to look up to know the exact smirk on Kabir’s face—the one he’d used since we were five years old.

But he wasn't alone. I heard the soft click-clack of heels on the hardwood and the unmistakable sound of my vanity table being raided.

“Good morning, sunshine,” Myra’s voice chirped, sounding far too awake for someone who had been out at a concert until midnight.

I peeled one eye open. She was standing by my mirror, casually unscrewing the cap of my imported, ridiculously expensive night cream. She dipped a finger in like she was sampling cake frosting.

“That’s theft, Myra,” I deadpanned, watching my hard-earned salary being smeared onto her cheek.

“It’s sharing,” she corrected, tilting her head to admire her reflection in the morning light.

“It’s theft with confidence,” I countered.

Before I could mount a defense for my skincare, Kabir reached the windows. With one violent, overly-dramatic tug, he threw the heavy curtains wide.

The sun didn't just enter the room; it invaded. It screamed. It blinded. I let out a sound that was half-hiss, half-sob, and dove deeper into the dark sanctuary of my duvet.

I paused for a heartbeat, just listening to the house breathe. Beneath my feet, the Rai Symphony was performing its daily masterpiece—a loud, messy, and perfectly synchronized chaos that told me exactly where everyone was without me having to open my eyes.

The high-pitched tink-tink-tink of stainless steel spoons hitting ceramic bowls acted as the percussion, a frantic rhythm that meant breakfast was being served at high speed.

Above the noise, Dadi’s voice marched through the hallway. She wasn't just talking; she was commanding, her tone crisp and sharp as she directed the cleaning staff with the tactical precision of a seasoned general preparing for battle.

From the far end of the house, a muffled roar broke through—Laksh and Daksh were locked in their ritual morning combat. Judging by the pitch of their shouting, it was either about a missing cricket jersey or who had used the last of the expensive hair wax. Their voices rose and fell like a stormy sea, only to be punctuated by a sudden, bright burst of laughter—Prisha, definitely—that cut through the tension like a blade.

I heard Anika Bhabhi’s voice then, a soft, melodic strain trying to weave through the noise. She was playing her usual role of peacemaker, her words sweet and steady, though they were currently drowning in the sea of brotherly war.

And right at the center of it all, holding the entire structure together, was the low, rhythmic rumble of my father’s laughter—a deep sound that vibrated through the floorboards and anchored the whole beautiful, exhausting mess.

This was my world. A loud, living thing that never hit mute.

“Get up, Ru,” Myra said, finally putting my cream down.

“Why?” I asked, finally sitting up. My hair was a bird's nest, and I probably looked like a ghost that had died twice, but I didn't care.

“It’s Saturday. My soul is closed for maintenance.”

Kabir and Myra exchanged a look.

It wasn't the we're annoying you look.

It was the suspicious look. The one that meant they knew a secret and were currently tasting the power it gave them.

I narrowed my eyes, my internal Analyst Brain immediately shifting into high gear. They were dressed up. Too dressed up for a normal Saturday breakfast.

“What happened?” I demanded, my heart skipping a beat.

Myra looked far too entertained. She leaned against the bedpost, crossing her arms. “Your parents want to speak with you in the study. Both of them. Together. And they told us to make sure you were ‘awake'”

I blinked. My stomach did a slow, uneasy somersault. My parents only summoned me "together" for three things: a family emergency, a serious talk about my career, or...

No.

“…about?” I asked, my voice suddenly very small.

Kabir leaned in, his eyes dancing with mischief.

“You’ll find out. But I saw Mom pulling out that heavy silk saree—the one she only wears for guests. And Dadi’s already asking if your red suit is ironed.”

The blood drained from my face. The red suit. The study. The secret smiles.

I looked at the sunlight hitting my floor and realized I’d been wrong. The sun wasn't the attack. The day was the attack.

I really, really didn't like the way this morning was heading.

“No.”

Kabir blinked, his eyebrows shooting up toward his messy hairline. “No what?”

“No to whatever this is. The vibe is wrong. The air is too heavy with secret smiles. I’m opting out.”

Myra burst out laughing, a sharp, delighted sound that echoed off the high ceilings of my bedroom. “That’s adorable, Ru. You think you have an opt-out button.”

“I’m serious.” I threw my weighted blanket aside with a sudden surge of adrenaline and stood up so fast my vision blurred, the room tilting on its axis for a heartbeat. I gripped the bedpost, feeling the smooth, polished wood under my palm.

“No one gathers my parents, Dadi, and apparently the entire household staff before breakfast unless someone has either died, committed massive financial fraud, or is secretly pregnant.” I paced the small rug near my bed, my bare feet sinking into the plush fibers.

Kabir looked genuinely impressed, leaning back against the wall. “That was oddly specific. You’ve clearly thought about the hierarchy of family disasters.”

“I work in finance, Kabir. Fraud is always on the table. It’s my default setting for 'Reason to Panic.'”

Myra folded her arms, her eyes dancing with mischief. “Well, let me clear the air. Nobody is dead.”

“Okay. Good start.”

“And as far as I know, nobody is pregnant.”

“Great. My heart rate is returning to double digits.”

Kabir’s grin widened, becoming something predatory and far too cheerful. “That only leaves one option, Ru. The big one. The one Dadi has been manifesting since your graduation.”

My stomach dropped, a cold, heavy sensation like I’d just swallowed a lead weight. My brain immediately flashed to the red suit Kabir had mentioned.

“No,” I whispered.

“Yes,” Kabir chirped.

“No.”

“Shut up.”

I stared at both of them in complete betrayal, my chest tightening. “You both knew? You sat here for ten minutes watching me struggle to wake up, knowing this was coming?”

Kabir placed a hand over his heart, looking like he was about to recite a vow. “I have known for twelve glorious, life-altering hours.”

“You’re enjoying this. You’re actually feeding off my terror.”

“Immensely,” he admitted, not even trying to hide it. “It’s like watching a high-stakes thriller, but I already know the ending.”

Traitor. I looked at Myra, hoping for a shred of female solidarity.

She just shrugged, completely unapologetic. “I was promised front-row seats to your breakdown, and honestly? You’re delivering. The pale face, the frantic pacing—it’s gold.”

“I hate everyone in this house,” I muttered, grabbing my hairbrush and attacking a knot like it was a personal enemy. “I am moving to a cave. A quiet, single-occupancy cave with zero Rai relatives.”

“That’s fine,” Kabir said, pushing off the wall and heading for the door. “But please be downstairs in ten minutes. If you’re late, Dadi starts the 'When I was your age' speech, and none of us want that.”

The door clicked shut, leaving me in the sudden, ringing silence of my room.

I stood in front of the vanity mirror, staring at my reflection. My eyes looked wider than usual, my skin pale against the dark bird's nest of my hair. I moved through the motions like a robot—brushing my teeth until my gums tingled, splashing ice-cold water on my face to shock my system into focus.

I needed to mentally prepare. I needed a spreadsheet.

Marriage.

The word felt foreign, like a piece of code that didn't belong in my software.

No. Absolutely not.

I was twenty-six. In my world, twenty-six was the age of growth, not settling. I had a stable career that I’d fought for. I had a five-year plan saved in three different cloud drives. I had an apartment fund that was growing at a very healthy interest rate. I had retirement investments that made me feel secure. My life was a series of beautiful, color-coded spreadsheets where every decimal point was in its place.

Marriage was nowhere on that list. Not for at least another four years.

And marriage to a stranger? Someone hand-picked by a board of directors—also known as my family? That was a bad investment. A blind merger with no due diligence. It was madness.

I needed to wash the sleep—and the panic—off my skin. I stepped into the bathroom, the cool marble floor chilling the soles of my feet.

I turned the shower on, waiting for the water to turn steaming hot. As the glass stall filled with vapor, the scent of my eucalyptus body wash began to cut through the heavy, floral air of the bedroom.

I stood under the spray for five minutes, letting the needles of hot water drum against my shoulders, trying to wash away the dread. I scrubbed my skin until it was pink, trying to find that Analyst version of myself—the one who could handle any crisis with a calm smile. I stepped out, wrapped myself in a plush white robe, and blew-dry my hair until it fell in soft, dark waves.

I kept my makeup minimal—just a bit of lip balm and my moisturizer and I chose a pink-colored short kurti and pants. It felt like a soft suit of armor.

I was ready. Or as ready as I’d ever be to walk into a trap.

I stepped out of my room and paused at the top of the grand, winding staircase. From here, you could truly see the heart of the Rai household. The house was an old, sprawling haveli that had been modernized but never lost its soul. High ceilings with intricate plasterwork looked down on polished teak furniture that had been in the family for generations.

The air was a thick mix of old library books, fresh jasmine from the courtyard, and the mouth-watering scent of hing and cumin from the kitchen. Sunlight poured through the stained-glass windows in the foyer, throwing splashes of ruby and sapphire light across the Persian rugs. It was a house built for a large family—wide hallways, hidden nooks, and a dining table that could seat twenty people without feeling crowded.

I began my descent, my hand sliding over the cool, dark wood of the banister. Halfway down, a shadow moved near the linen closet.

“Breathe, Ruhani.”

I jumped, clutching my chest. Anika Bhabhi was standing there, looking effortlessly elegant in a simple cotton saree. Her face was soft, her eyes filled with a quiet, knowing kindness.

“Everyone is weirdly calm about my life changing,” I whispered, my voice echoing in the quiet hallway. “Kabir is eating popcorn mentally, Myra is stealing my cream, and you’re just... standing there. Am I the only one seeing the fire?”

Anika walked over and placed a hand on my shoulder. Her touch was grounding, smelling faintly of sandalwood. “We’re calm because nobody is deciding anything for you, Ru. This isn’t a sentence. It’s an introduction.”

“It feels like a sentence,” I whispered.

She leaned in, her gaze turning serious. “Listen to me. You are a Rai woman. You are smart, and you are loved. If you go in there, look at the facts, and decide you don’t like him... just say no.”

I looked at her, searching for the catch. “Really?”

“Really. Your father might be stubborn, but he worships you. He won’t force a 'yes' out of a 'no.'”

I pushed open the heavy oak doors of the study. The room was the quietest place in the house, lined from floor to ceiling with leather-bound books. My father was sitting behind his massive mahogany desk, and my mother was perched on the edge of the velvet sofa, her hands resting in her lap.

“Good morning, beta,” my father said, his voice warm but containing that specific weight he used when he was about to talk business. “Did you sleep well?”

“I did, until Kabir decided to play the role of an alarm clock,” I said, sitting in the leather chair opposite him. My heart was still doing a frantic dance.

My mother smiled, reaching out to pat my hand. “He’s just excited. We all are. We were talking about our old friend Rajveer—remember the wedding we went to in Delhi years ago? The one with the beautiful gardens?”

“Vaguely,” I lied. I remembered the cake, mostly.

“His family has always been very close to ours in spirit,” my father continued, leaning back.

“They’ve built something incredible. Not just a business, but a legacy of healing. They are good people, Ruhani. The kind of people who value roots as much as we do.”

He let the silence hang for a moment, letting the weight of the "family connection" settle. Then, my mother reached for a cream-colored folder on the coffee table. She didn't open it immediately. She just held it, her thumb tracing the edge.

“They have a son, Advait,” she said softly. “He’s a surgeon. He’s worked very hard—perhaps too hard. Rajveer says he’s a man of few words, but his actions speak for him.”

She finally slid a single photograph across the polished desk.

I didn't want to look. I wanted to keep my eyes fixed on the grain of the wood. But my curiosity won. I leaned forward, my breath catching in my throat.

The man in the photo was leaning against a railing, a city skyline blurred into a bokeh of lights behind him. He wasn't wearing a lab coat; he was in a crisp white shirt, sleeves rolled up to reveal strong, vascular forearms. He had sharp, striking features that looked almost severe under the dim city lights behind him. A strong jawline. Broad shoulders. Dark eyes that held an unnerving stillness.

Even through a still photograph, he felt difficult to approach.

Not the kind of man who demanded attention by speaking too much.

He looked like the kind of person who could silence an entire room with a single glance.

Controlled. Sharp around the edges.

And yet—beneath all that restraint, there was something else.

There was something cold about him.

Not cruel—just dangerously detached.

Like he had trained himself to feel less because feeling too much once cost him dearly.

For a strange moment, he didn’t feel like a stranger being handed to me on glossy paper.

And for reasons I couldn’t explain—reasons that didn't fit into any of my spreadsheets—I looked at him much longer than I meant to.

My father leaned forward, his voice losing its "businessman" edge and becoming soft, like he was talking to the little girl who used to hide behind his legs. "We aren't asking for a 'yes,' Ruhani. We aren't even asking for a 'maybe.' All we ask is that you meet him. Just once."

"One dinner," my mother added, her eyes hopeful but not demanding. "After that, if you feel there is no spark, or if his world doesn't fit yours, you can say no. We will never bring his name up again. The choice is yours, and yours alone."

I looked from my father’s steady gaze to my mother’s hands, and then back down at the man in the white shirt. Advait Yaduvanshi.

The "Rai Symphony" was still playing outside the door—the muffled thud of a cricket ball, the distant scent of fresh parathas, the safety of a home that was loud and warm and predictable. This marriage proposal was a leap into a silent, cold world I didn't understand.

But as I looked at his unsmiling face one last time, a strange, stubborn spark of curiosity flared up in my chest. I wanted to know what existed beneath all that terrifying self-control.

"Fine," I said, my voice finally steady. "I’ll meet him. Once."

I walked out of the study, the heavy doors thudding shut behind me, leaving the photograph on the mahogany desk. My morning had started with a dream of a quiet beach, but as I headed downstairs to face the chaos of breakfast, I knew the quiet was over.

I was twenty-six, I had a five-year plan, and I had a life that was perfectly color-coded. And for the first time ever, I was stepping completely off the map.

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