Most of all, I told them it was never embarrassing to ask an independent professional for an explanation.

Afterward, a woman named Harriet stayed behind.

She had a bright purple scarf and a nervous habit of folding her hands.

“My grandson handles my money,” she said.

“He’s a good boy.

But whenever I ask to see a statement, he tells me I’m accusing him of stealing.”

I remembered Daniel’s voice telling me I was ungrateful.

“Wanting to understand your own money isn’t an accusation,” I replied.