If your brother forged your digital signature to add himself and then maxed a thirty-five-thousand-dollar line, you have two options.

You absorb the debt — or we file a formal report for identity theft and wire fraud.

That’s a federal offense.”

I looked out at the skyline.

If I filed the report, Tate would be arrested before the triplets were born, and Sela would be alone.

“Draft the police report,” I said.