We did not agree on every figure.

Some of the older payments were disputed, and several years of gifts had never been intended as loans.

Helen kept the conversation focused on the promissory note and its terms.

I felt unexpectedly relieved to have someone whose role was to distinguish facts from feelings.

After two meetings we reached a written arrangement that required manageable installments and allowed earlier repayment if the business improved.

I understood that there was risk involved, and Helen made no promises about what would happen in every circumstance.