The bank lobby was quiet at 1:35, a muted financial-news channel playing above the teller windows.

I carried the blue folder under my arm, and a security specialist met us at the side door and led me into a small consultation room.

Zoe sat beside me with her tablet closed on her lap, as I had asked.

“Is this about the international transfer?” he said.

“Yes.”

“Has it been submitted?”

“I believe so.”

He opened a blank form.