“The State Banking Commission cleared the remaining holds at seven thirty this morning,” Daniel said.

He waited three full seconds while a busboy in a white apron carried a tray of coffee cups past our table.

“Every dollar from your grandmother’s trust has been fully restored to the main account in your name alone,” he said.

He reached into his coat, opened the left folder, and slid a heavy document across the polished oak toward my saucer.

“This filing revokes Cole’s executive signing authority on all subsidiary accounts and returns full control to you,” Daniel said.