The air conditioning was turned up so high I shivered in my thin cotton sweater.

Tom Barrett sat behind his heavy wooden desk in a crisp white shirt.

He smoothed down his tie when I sat in the chair across from him.

“I need to open a brand-new savings account,” I said.

Tom turned his flat monitor slightly toward me.

“We can link a new sub-account directly to your main checking,” he said.

“No,” I said.

“I want it completely separate.