“No, ma’am.”

“I approve that plan every year.

I have signed off on the design of that plan eleven times.” She was looking at the desk.

“Delphine, get somebody from benefits up here.”

It was tier three, with a twenty percent coinsurance and an out-of-pocket maximum that would have cost me about six thousand dollars a year, which was survivable and which was not nothing.

And then Vivienne Bramhall did the thing that bought my loyalty for two years and that I have had to think very hard about since, because it was also the most revealing thing she did.