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Chapter 3 - Daniel And Emily Discover Their Bank Accounts Are Frozen

Back at the colonial residence, Emily Ellis poured herself a fresh cup of artisan coffee while scrolling through her tablet for designer boutique sales.

Her phone buzzed violently against the marble kitchen island with an automated alert from their primary family checking account.

She tapped the notification lazily, expecting to see the monthly allowance deposit transferred seamlessly from Margaret’s personal trust.

Instead, a stark red banner flashed across the screen: Transaction declined. Account access restricted pending legal verification. Emily frowned, tapping the screen again and refreshing the banking application with a sudden spike of nervous irritation.

“Daniel! Come down here right now!” she screamed across the quiet, sunlit hallway toward the master bedroom.

Daniel stumbled down the stairs a minute later wearing silk pajama pants, holding a mug and looking half-asleep.

“What is it, Em? Why are you yelling so early in the morning?” Daniel grumbled, running a hand through his messy hair.

“Our primary account is locked, and the joint credit cards are completely frozen,” Emily said, thrusting the tablet into his chest.

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Daniel blinked, taking the device and tapping the screen with growing disbelief as error codes stared back at him.

“That’s impossible. Mom’s automatic monthly transfer always hits on the first of the month without fail,” Daniel muttered defensively.

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