Tom smoothed his tie again.

“The formula says two hundred eighty thousand,” Tom said.

“I’m pushing the commercial real estate classification to the absolute breaking point for you.”

I assumed he meant he was just picking a different category from a drop-down menu on his screen.

It was just standard bank paperwork.

“If the examiner audits this file, I’ll have to do a lot of fast talking,” Tom said.

“But your mother was a good woman, Luke.