He spent three hours cross-referencing the crumbling pages, but a critical section was missing—torn out, probably by a desperate student just like him twenty years ago.

He rushed back to his office, plugged in the drive, and there it was. A single PDF file, pixelated but legible: .

“Your life savings,” he said, smiling. “And the law that got them back.”

“What is this?” she asked.

“I need the physical copy. The chapter on restrictive indorsements.”

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