It also evaluated disputed transactions separately under the governing account agreements.

Some charges were reversed or credited.

Others required more review because the supplementary users had been formally authorized, even if their spending had betrayed our trust.

We worked with counsel and the bank to resolve the outstanding claims instead of pretending every morally wrong purchase was automatically a criminal offense.

Mariana read the letter at the kitchen table.

She traced the sentence acknowledging the improper restrictions, then placed it beside her notebook.

“It’s a strange feeling,” she said.