At a quarter past two, Greg Miller walked me into the bank manager’s corner office and shut the heavy oak door.

The laser printer beside his desk whirred to life and fed four warm sheets of cream-colored paper into the tray.

He picked up the stack, stamped each page with a red official seal, and laid them on the dark desk in front of me.

“This is the formal default warning sent to Brandon’s development company,” Greg said.

I picked up the top sheet and read the bold black heading: Ridgefield National Bank Default Enforcement Notice.

“What’s the exact deadline to cure the default?” I asked.