“They can fight the paperwork,” I said, “but they can’t change Spencer’s medical baseline.”

I picked up Spencer’s altered clinic file and set it beside Dr.

Vance’s notarized original report.

I laid the two contradictory medical certificates next to each other on the glass coffee table.

At the bank on B Street in downtown San Diego, the manager leaned forward in his leather chair and pushed a printed blue slip across the mahogany desk.

“Twenty million dollars of your incoming wire was put on administrative hold at eight o’clock this morning,” he said.