“If you cancel before the ceremony,” Elias explained, “your company will owe the agreed nonrefundable portion. Your father remains responsible for the upgrades he requested and guaranteed.

We can’t transfer your obligations to him, but we can make certain he pays his own.”

“How much is mine?”

“About thirty-eight thousand, after refunds and cancellation insurance.”

“And his?”

“Just over ninety thousand, assuming the venue enforces the full add-on agreement.”