Photograph the closing statement on your own house.

Photograph your marriage certificate, your children’s birth certificates, the deed, the title, the last three tax returns.

Put them somewhere that is not in the house.

I had none of it.

I got lucky in the form of an eighty-one-year-old man in Quincy who broke his own retention policy for thirty-seven years, and luck is not a plan.

And four, which is the one I go to the director conferences to say.

Your approval threshold is the size of the fraud you are going to get.