“Your monthly transfer hasn’t shown up in her account.”

“The nine hundred forty dollars goes through on the twenty-sixth,” I said.

“It’s scheduled for Thursday.”

“She had an eighty-two-dollar electric bill come out yesterday,” Caroline said.

“She had to pull money out of her rainy-day fund because your transfer wasn’t there to cover it.”

“The transfer date has been the twenty-sixth for three years now,” I said.

“Well, eighty-two dollars is still eighty-two dollars,” Caroline said.

“When you pay late, Mom is the one who suffers the stress.”