Elliot looked down at the navy-blue folder.

“The clients will pull their money anyway,” Elliot said. “But if we cooperate now, we might keep our licenses.”

“I can help you with the transition,” Graham said.

He leaned over the table, his face flushed.

“I know where every dollar is,” Graham said. “I can get the Nassau funds back before the wire clears.”

“The wire has already been frozen,” I said.

Graham froze.

He turned his head slowly to look at me.

“I called the correspondent bank in Miami two hours ago,” I said. “I gave them the authorization codes and the police report number.”

“What police report?” Graham asked.

“The one I filed this morning at seven,” I said. “For identity theft.”

Graham’s mouth opened slightly, but no sound came out.

“You used my personal accounts to fund the initial deposits for Crestview,” I said. “That is a felony, Graham.”

“Arden, please,” he whispered.

“I did what you taught me to do,” I said. “I protected my assets.”

The room was silent again, save for the hum of the air conditioning.