The return address was First Federal Bank on Main Street, and it was addressed to both Claire Miller and Lauren Miller.

Across the clear plastic window, someone had stamped a thick rectangle in dark red ink: URGENT NOTICE – IMMEDIATE ACTION REQUIRED.

I picked the letter up off the counter and held the red-stamped bank envelope above the kitchen tile, looking right at my sister.

By seven the next morning the oatmeal was bubbling softly on the back burner.

Bennett sat at the laminate kitchen table with his little hands flat on either side of his ceramic bowl.

He rubbed his sleeve cuff between two fingers, rolling the stiff denim back and forth until the edge went pale.