In present day July, Mattie sits with Grace's body and has a one-sided conversation. Mattie's curiosity gets the better of her, and she reads a few more of Grace's letters.
As Mattie hears people talking outside the window, she stops reading; the conversation indicates that Carl Grahm is in the hotel registry, but then one voice mentions that some Gillettes live near Cortland, which is close to where Grace's home is.
Then, one voice muses that the bodies should have been near each other in the water if they both had drowned.
The two men get a drink, and one of them has just gotten a message from Albany that no Carl Grahm lives in that city.
Mattie runs back to the attic and tries to sleep, but can't.