Dalton didn’t answer me right away.

He reached deep into the back pocket of the abstract folder.

He drew out a single sheet printed on thick, yellowed paper.

A red municipal seal from the local tax authority was stamped along the edges of the page.

“Hold on, is this document yours?” Dalton asked.

He laid the yellowed page flat in the middle of his desk and turned it so I could read the top line.

The heading said it was a home equity line of credit agreement.