Lucy sat on the carpet by the sofa, coloring in a picture in her coloring book with a yellow crayon.

My phone chimed on the end table beside the lamp.

The screen lit up with Caroline’s name and a photo of her from two summers ago.

I picked up the phone, swiped the screen, and held it to my ear.

“Mom just got an automated text from her credit union,” Caroline said.

Her voice was quick and sharp, followed by a long, heavy sigh.

“She says her nine-hundred-forty-dollar deposit got flagged as canceled by the sender.”