Brenda opened the envelope, counted the banded stacks twice, and took a fresh signature card out of her desk drawer.

“Who’s the primary owner?” she asked.

“Megan Sullivan,” I told her.

“Do you want to be on there as a co-signer or a beneficiary?” Brenda asked.

“No,” I said.

“I want my name completely off the account.

Put it in her name alone, with automatic monthly payments going straight to her landlord and the local grocery store.”

“If you’re not on the account, you can’t see the statements,” Brenda said.