A promise kept, a chance encounter, and a future she never saw coming. Cate Cabrera has crafted a flawless life—a successful career as an investment banker, the respect of her peers, and a future she’s meticulously planned. But on New Year’s Eve, as she waits alone at Fitzgerald’s Bar, fulfilling a promise made long ago with her college best friend, an unexpected encounter stirs questions she’s buried for years. When a captivating stranger offers Cate a glimpse of an unimagined life, memories and long-forgotten dreams resurface. With the countdown to midnight ticking away, she finds herself wondering if the life she’s built is truly the one she wants—or just the one she’s settled for. Set in the heart of New York City on the most magical night of the year, The Eleventh-Hour Pact explores the power of promises, the allure of fresh starts, and the courage to ask yourself what you truly desire. Join Cate on a New Year’s Eve that could change everything.