“The bank needs proof that you didn’t authorize the original draining of the health savings account.”

“Richard is going to see that filing,” I said.

“The examiner sent the certified findings to his lawyer ten minutes ago,” Claire said.

She stopped, and I heard her let out a long, slow breath.

“My ex-husband used to hide debt exactly the same way,” Claire said.

“He’d drain an account and then yell at me for asking what the balance was.”

“Richard didn’t yell today,” I said.