My heart hammered against my ribs. “David? Please. I’m begging you. I’m so scared.”

“Mom, listen,” David said, his voice suddenly cold and rehearsed. “The timing on this is just really bad. Chloe and I just bought a vacation home in Aspen. A massive ski lodge. We’ve been planning this for years. All our liquidity is tied up in the down payment and the new custom renovations. I can’t just pull thirty-five hundred dollars out of thin air.”