I laid my palm flat across my collarbone.

“I’ll take it out to the casita and read it tonight,” I said.

Renee put her water glass down on the dining table with a hard click.

“The courier collects the insurance packet at eight in the morning, Margaret,” Renee said, her voice short and sharp.

“We don’t have time to delay the filing.”

“You’ll have my answer in the morning,” I said, sliding the white packet off the placemat and onto my lap.

Daniel glowered at his plate, picked up his fork, and didn’t speak again for the rest of dinner.