“We have a notarized power of attorney on file, Ms.

Vance.” She turned the screen so I could see the digital scan, and the signature at the bottom was a perfect imitation of my precise slanting hand, right down to the crossed seven in the date line.

The notary stamp, I said quietly, belongs to Jonathan’s corporate secretary.

“I can print the dispute forms, but the review takes forty-five business days.” I don’t have forty-five days, I said.

She cleared the screen with a single keystroke, and the small balance indicator dropped to zero.