“At the bank.

The house closing.

The car loan in 2019.

The original card application.” I counted them off on my fingers and didn’t like the total.

“Anywhere that has a copy machine.”

“Anyone with a copy of your signature and your account number could walk up to a club’s front desk, open a guest profile, and never be asked a second question,” Gordon said.

He took a fresh legal pad out of his drawer and wrote the fee estimate across the top of the page.