“The primary coverage is all clear,” the clerk said, angling the computer screen a little away from the counter.

“The flag went up because of a secondary routing request.”

“What sort of routing request?” I asked.

“Somebody phoned this morning asking whether refund credits could be mailed to another address,” the clerk said.

I kept my hands resting flat on the edge of the counter.

“What address did they give?” I asked.

“An address on Oak Drive,” the clerk said, reading off a white sticky note stuck to the edge of her monitor.

“A woman calling herself Patricia Whitaker phoned in and said she was the family’s financial administrator.”