Franklin Hayes kept a heavy oak desk with nothing on it but one folder and a pen stand.

“Mrs.

Gallagher.” He adjusted his wire-rimmed glasses with his right thumb.

“You’ve asked us to freeze the estate checking account.”

“Before any more of it moves.

Yes.”

“The bank’s procedure for a freeze requires a court order or the administrator’s written consent.”

“Then give me the balance and the names on the signature card.”