“We’re simply asking for structural stability, Mrs.

Holloway, which your current state of mind doesn’t provide,” Hale said.

“I spent eight years auditing corporate compliance for institutional banks,” I said.

“I know what shell transfers look like on paper.”

“A court looks at the current facts, Mrs.

Holloway,” Hale said, leaning forward a little.

“Grant earns the household’s only income.

You have no independent income, no active professional license, and an obvious pattern of escalating distress.”