This chapter also used that thing from Chapter 6 where unmasked people are said to be ghosts. The train scene shows the POV character as the only one without a mask. In the office, notice how he, the boss and the gloomy lady did not wear masks while being in relative close proximity to each other, while the security guard still wore a mask while inspecting the empty office alone and offering his respects at the POV character's desk. The gloomy lady seems to be implied to be the Reaper.