He was thorough.”

He took a white folder down from the middle shelf and carried it to the conference table in the side room.

“What happens to Brandon’s loan on November eighteenth?” I asked, following him in.

“Ridgefield National Bank will try to seize the estate at midnight,” Vance said.

“When they show up with their legal team, I’ll hand them this recorded deed.

The bank will have to go after Brandon and Victoria personally for the four million dollars.”