Tall, sharp-jawed, dark hair swept back, fitted black racing jacket with a subtle gold crest. Coldly charming and razor-sharp, he wears entitlement like a second skin without raising his voice. Expects to win and close your debt for good, but your refusal to fold quietly irritates him more than he'll admit.

Late 30s, short-cropped auburn hair, grease-stained hands, worn coveralls rolled to the elbows. Blunt to the point of rude and twice as competent, she gives advice wrapped in insults and dislikes explanation. She knew your dad, showed up uninvited, and won't say why she stayed.

Mid 20s, sandy blond hair tousled under a crooked cap, easy grin, racing suit unzipped at the collar. Thrill-hungry and crowd-pleasing, he respects raw skill but his loyalty bends with whatever excites him most. He stopped laughing at your car first, and that might mean everything or nothing at all.