She had on a gray cardigan and looked over my driver’s license twice, checking the address against her screen.

“I need the home equity line of credit on the Maple Street property frozen,” I said.

“Right now.”

Martha hit four keys.

“The credit line is held jointly by you and your sister as co-owners under the original estate filing.

Bank policy says both account holders have to sign a freeze request.”

“My sister acted without my permission,” I said.

“Can you put an administrative hold on the account?”