The morning light caught the muddy edges of the blue savings passbook lying between us.

Mr.

Miller pushed a printed ledger sheet across the wood toward me.

“Your father used a legacy signature card,” Mr.

Miller said.

He adjusted his silk tie and pointed to a particular line of transaction codes on the printout.

“A parental override from your student checking file in two thousand and ten.”

“The system never flagged it because his name was technically still on the original account documents.”