Brandon listed these lots at two hundred and sixty.”

“He added twenty feet of imaginary dirt on paper,” Frank said, resting both hands flat on the desk.

“That’s bank fraud.”

“Christopher Pembroke confirmed it with the county engineer at four o’clock,” I said.

“This land is completely worthless.”

“If Ridgefield National sees this appraisal,” Frank said, “they’ll call in his whole debt line by morning.”

“They’ll enforce the default notice on November eighteenth,” I said.

I picked up the certified report and walked over to the folding cot in the corner of the trailer.