I’d been seeing that number on my own statements for three years and blaming it on some medical billing office.

Medical offices didn’t use member transfer codes.

Credit unions did.

I pulled up the calculator and finally did the math I’d been dodging all week.

The deposits had started out small.

Eleven hundred dollars that first fall, and around that for a year and a half.

Then they climbed, and for the last fourteen months the transfer had been exactly thirty-five hundred dollars.

The investigator had added it all up at the foot of page three in a box he’d drawn himself.