Caleb was sleeping peacefully, his chest rising and falling with the steady rhythm of the heart monitor.

I took my cell phone out of my purse and opened the First National Bank app for the Elm Street branch.

The main dashboard showed my small checking account, followed by the custodial inheritance fund set up after my husband, Richard, died two years ago.

A bright red exclamation point glowed next to the secondary checking tab.

I tapped the red icon.

A system alert popped up across the glass screen.