The phone light kept blinking with the Apex voicemail.

At 11:30 I sat across from the bank vice president with Arthur at my right.

He had a black three-ring binder on his lap with his yellow pad resting on top.

“The corporate line is frozen pending a fraud review,” the vice president said.

“Seven to ten business days.”

“What set it off?” I asked.

“The Apex Club filed a dispute at 9:40 last night.

The form named Hayes Accounting and a billing sheet for nine hundred ninety thousand dollars.”