“Mark came into the branch at nine o’clock this morning,” Arthur said softly, leaning back in his chair.

I kept my hands still in my lap.

“Did he come to settle his overdraft fees?” I asked.

“He closed his personal checking account,” Arthur said.

“His remaining balance was six hundred forty dollars.

He asked whether the bank had a record of your new downtown commercial address.”

“What did you tell him?” Evelyn asked.

“I told Mr.