The named beneficiary is Chloe Anne Henderson.”

I read my own middle name on a bank screen.

“The designation was made on the ninth of August 2016,” he said.

“It has not been changed.”

And then, because he is who he is, he said: “Do you know what that means?”

And I said no.

And Arthur Vance explained it to me, in a tidy office, in about four minutes, with a pen and a sheet of paper, the way you would explain it to somebody who is going to have to repeat it to a lawyer.

A payable-on-death account — in Ohio, and in some form in every state in the country — is an ordinary account with a line on the signature card naming who gets the balance when the owner dies.