She has three highlighters on her blotter and all three of them are yellow.

And she said: “Roland, your commercial note matures on the thirty-first of August and the holder has told me they will not be renewing.”

I said, “They can’t call it.

It’s locked.”

And Martha said — and this is the correction, and it is the one thing in this account that is nobody’s fault but mine —

“Nobody’s calling anything.

It’s a five-year balloon.

It matured in 2015 and you renewed it.