He wrote the date and 4:12 PM.

At five fifteen I sat in the drive-through lane at First Oak Bank.

Rain streamed down the windshield in ropes.

The teller was a woman named Mrs.

Pruitt who had worked there since back when my mother kept the business checkbook.

I slid my four cards through the drawer.

“You’re changing all of them?” she asked.

“Every one.”