She pointed her pen at the original deposit record from four years ago, tucked into the back pocket of the binder.

“Where did the rest of the sixty-five thousand dollars your grandmother gave you for the house down payment go?” she asked.

“I thought it was safe in the house equity and the joint account,” I said.

Evelyn set her pen down on the carpet and looked me straight in the eye.

“You need to drive over to First National Bank before four o’clock today,” she said.

At half past three, I pushed open the heavy glass doors of First National Bank on Main Street.