The account was larger than the lake-lot proceeds, but the statement was not a promise that all of it could be withdrawn immediately.

Maya read the figure in silence and asked about the conditions rather than repeating it aloud.

No amount had yet entered her checking account.

Near the bottom of the beneficiary schedule, one line mattered more than the valuation.

Maya Vance, sole beneficiary.

She read it twice.

“That says sole.”

“It does.”