Anna faces Kenneth Wentworth, the wealthy owner of the Phoenix and the man she holds most responsible for the tragedies in her life. Wentworth, dressed in engineer overalls over a shirt and tie, calmly acknowledges he knows who Anna is and why she is there. He explains he fired engineer Burt Chapman in Philadelphia, monitored the plot against his train, and chose to run the locomotive himself out of curiosity and pleasure.

Anna warns Wentworth that evidence of his crimes has been sent to the FBI awaiting the train in Chicago. Wentworth remains unshaken and taunts Anna, belittling her and her late father. Anna confronts him about his motive—his fixation on Margaret Matheson—and asserts he loved Margaret and resented Arthur Matheson. The façade drops as Wentworth rages that Arthur “stole” the life and family he believed were his.

Wentworth then reveals a crucial secret: Tommy was his biological son. Anna recalls her parents’ swift marriage and recognizes Tommy’s resemblance to Wentworth. Wentworth says he suspected for years and met Tommy only once, at the Mathesons’ final Christmas party. Anna insists Tommy was her father’s son in every way that mattered and accuses Wentworth of taking him from her.

Wentworth claims he loved Tommy but was barred from acknowledging him, and when Tommy died in the wartime train disaster, he blamed Arthur Matheson for not keeping Tommy out of harm’s way. He admits arranging Arthur’s murder in prison and paying the killer’s family, confirming Anna’s worst fear that her father was prevented from ever proving his innocence and that her mother’s subsequent suicide traces back to Wentworth’s actions.

Reggie Davis, who has been behind Anna, reveals himself as a witness to the confession and presses Anna to abandon ideals of justice and embrace revenge. He hands Anna a gun and urges her to consider the victims, including Seamus and his brother, insisting she deserves to end it.

Anna steps toward Wentworth, who pleads with her not to shoot. She holds him at gunpoint and demands he admit to destroying her family. Wentworth finally confesses: he destroyed her family and many others, and he forced others to do it. Anna, exhausted by years of grief and rage, acknowledges her anger and desire for it to end.

Recalling Seamus’s parting advice that she can end this, Anna decides. At point-blank range, she pulls the trigger, shooting Kenneth Wentworth.