“It is a formal application for a three-hundred-fifty-thousand-dollar home equity line of credit,” Samuel said.

“Secured against this house at one hundred forty-two Elm Street.”

Julian took a sharp breath, his fingers twitching against his gold wristwatch.

“Dad discussed an equity line with me,” Julian said.

“He wanted funds available for repairs on the roof and the porch.”

“Your father was not the sole applicant listed on this form,” Samuel said.

He turned to the signature line at the bottom of page three.

Two signatures sat side by side above the printed date.