“Walter set up the corporate trust so that voting control over all the real estate holdings sat in the master trust.”

I took a plain white sheet from my uniform pocket and laid it flat on the mahogany table in front of Christopher Pembroke.

“That’s the official default warning from Greg Miller at Ridgefield National Bank,” I said.

“Brandon pledged twelve lots on the northern ridge as collateral for a four-million-dollar commercial credit line.”

“That’s confidential corporate strategy,” Brandon snapped, his voice cracking a little on the last word.

“It’s a defaulted loan,” I said.