The email was from their vendor onboarding team and it was polite.

Ms. Miller — Thank you for your patience. Our enhanced due diligence process has returned findings that require additional review before we can proceed.

Could you make yourself available for a call?

I called Samuel Reed before I called them.

He is sixty-three now and semi-retired and consults on my firm’s name, which was his idea and which I fought for a year. He listened and then he said, “Sam.

Do you know what they’ve found?”