Chapter 25 - RESTORATION
The audit took fourteen months.
Final findings:
$18,000 authorized.
$221,700 clearly unsupported by valid consent.
$46,700 disputed because evidence suggested I may have verbally supported specific items but no direct authorization existed.
Settlement treated the full disputed amounts conservatively.
Restoration came from:
Offsets against Kevin’s remaining branch.
Kevin repayment plan.
Richard’s settlement contribution.
Westbridge insurer contribution for verification-control failures.
Investment adjustment.
My branch was restored approximately $251,000.
Not every dollar originally spent.
Fair accounting.
Madison’s trust interests were not emptied.
Noah did not become richer by punishing her.
The standing $540,000 authorization was permanently void.
New rules:
Direct confirmation.
Two-channel authentication.
No administrative adviser may serve as verification contact for cross-branch transfers.
Annual beneficiary statements.
No “family equalization” classification.
May you like
Boring.
Perfect.
