“The twelve-thousand-five-hundred-dollar outgoing transfer was processed by wire on February fourth,” Frank said, in the slow, dry tone of a veteran loan officer.

“And there’s a second outgoing transfer from the same joint account on March twelfth.”

He slid a single sheet of white paper across the counter.

“How much?” I asked.

“Nine thousand dollars,” he said.

The line item showed an outgoing electronic wire sent to a credit union routing number registered in Jefferson County.

“Is there a memo code attached to that nine thousand?” I asked, touching the thin silver bracelet on my left wrist.

“It’s coded as personal property acquisition,” Frank said.