“Loan Officer Davis is expecting you at eleven thirty.”

The clock on her wall ticked twice in the quiet office.

“Does Brandon know you phoned the bank?” I asked.

“No,” Margaret said.

“And we should keep it like that until you’ve looked at the file.”

Two hours later, when I came through the glass doors, the lobby of Oakridge Bank smelled of floor wax and new paper.

Loan Officer Davis met me by the brass teller railing and gave me a firm handshake.

He took me back to a glass-walled office at the far end of the main floor.