In reality, he had borrowed additional money to extend the trip.

The revelation did not satisfy me.

It frightened me.

The emergency fund was low, the college savings were gone, and now there were liabilities I had not understood.

“Am I responsible for this?” I asked.

“That depends on the accounts, the jurisdiction, and the facts,” Richard said.

“We will examine each obligation.

Don’t assume, and don’t sign anything under pressure.”