“It’s no trouble, ma’am,” Daniel replied, maintaining his position beside her.

She extended a hand. “Helen Carter. Widow of Colonel James Carter, 1st Infantry Division. He died serving in Iraq fifteen years ago.”

Daniel shook her hand, noting her firm grip despite the age-spotted skin. “Daniel Brooks. Former Army, 10th Mountain Division.”

Helen’s eyes brightened with recognition. “My James trained some of your officers, I believe.” She turned back to the bank representative, who was watching their exchange with thinly veiled impatience. “This document is from the Department of Veterans Affairs (VA). It clearly states that these accounts are exempt from maintenance fees. The same letter came three months ago, and your manager corrected it then.”

Daniel glanced at the paper. The letterhead was official, the language clear. He’d seen similar documents during his transition to civilian life. “Mrs. Carter has the correct documentation right here,” Daniel noted. “Could you please take another look?”

The young representative sighed. “Our computer system is the final authority on account status, not some letter. If there’s been a change, she needs to take it up with the VA, not us.”