I cried in my husband’s arms at the airport as he boarded what he claimed was a two-year work assignment in Zurich.

Or whatever story he had told himself made it acceptable.

I looked at the time.

3:42 p.m.

I called the bank.

The hold music felt endless. Cheerful piano notes played while my marriage collapsed in scheduled transactions.

When a representative finally answered, I explained as calmly as I could that I needed to stop a pending transfer from a joint account.

“I can certainly look into that for you,” the woman said in a polished voice. “May I verify your identity?”

I answered questions.

Mother’s maiden name.

Last four digits.

Security phrase.

Then silence while she reviewed the account.

“I do see the scheduled transfer,” she said. “Because this is a joint account, either account holder can initiate transactions. However, since it has not processed, I can place a temporary hold pending fraud review.”

“Do that.”

“I’ll need to ask whether you believe the other account holder is

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