So the story goes that at the Insular Life Building, which sits opposite the BPI building at the corner of Paseo and Ayala, has it's own share of ghoulies.

A man pulling in late hours left his office from the 9th floor around 3 in the morning. Taking the elevator down, the car stopped at the 7th floor. As the doors parted, a young woman's face peered into view: "Going up?" The man responded: "No, going down." She smiles and says, "Thank you." As the elevator closes, the man thinks to himself, "Wow, she's really pulling in the hours."

Upon alighting in the building lobby, curious, he walks over to the lobby guard and asks: "Who is the woman in the 7th floor? Why is she working so late? It's almost 3 in the morning." The guard, unsurprised, says, "There are no offices in the 7th floor -- it's all vacant. You must have seen the daughter of the building's owner. She jumped from the 12th floor a long time ago. Sad, sad story. When she hit the 7th floor, she got decapitated."

The man's jaw drops. The guard continues: "Which is why you only see her head when she peers into the elevator."