“Your grandmother had an extraordinary understanding of fiduciary duty,” Mr.

Miller said.

He used the legal terms naturally, as if we were discussing the morning weather over coffee.

“She structured this financial vehicle with an ironclad indemnification clause.”

“I don’t know what any of that means,” I said.

Mr.

Miller sighed deeply.

He picked up the muddy blue passbook and opened it carefully, turning the stiff pages until he reached the back cover.