And it certainly wasn’t shielded from a corporate insurance attorney who specialized in fraud detection.”

I turned another page. A loan application for two hundred and fifty thousand dollars, filed two weeks before the crash. The applicant was listed as Maya Vance.

The signature at the bottom was a clumsy digital trace of my handwriting.

“You tried to take out a quarter-million-dollar expansion loan using my identity as the guarantor. That’s why the rejection letter came to my actual house.

The bank’s fraud department flags sudden address discrepancies.” I looked up. “That was the thread Ethan pulled.”

My father reached out, his fingers trembling as they touched the paper. “You told me that loan was secured through an institutional investor, Julian. You told me your mother handled the collateral.”