Her roommates, Jen and Melissa, were out. They probably wouldn't be back until the small hours of the morning, if they came home at all. It was just as likely that they'd spend the night at their boyfriends' places. After such a long day, Beth was actually glad to have the place to herself. She'd been working in the library all afternoon on a paper about the social-history of American impressionism for her modern art class. She was only about half-finished, but her brain could no longer string the words together into coherent sentences. Tomorrow was going to be another long one. Beth was the right-side hitter for the Clinton State volleyball team. Tomorrow was game-night, meaning the day would be full of practice and warm-ups. Beth loved volleyball. When she was out there on the court, she felt like there was nothing else in the world but her, her teammates, her opponents, the net, and the ball. Everything else just faded into a muted background. But it never stayed there.. ”“Okay, here’s what we’re going to do,” Cliff said. “We’ll get depository transfer checks and shift the store accounts to deposit only. When the store manager makes his deposit, the form he uses combines a deposit slip with a no-signature transfer check. There’s a postage-paid envelope he uses to mail the check to a regional clearing bank. The regional bank wires each day’s collections to our principal bank. This way the full amount of the deposit is taken out each day. We could even fine-tune it after it’s up and running, by running a negative book balance with the deposit banks depending on how good or bad the mail service is. But that comes later.“Miss Treasurer, it sounds like you just picked up about $30 million. There’s one more thing: For any local payments the store manger writes checks on a zero-balance account at Bank of Chicago; for payroll, we’ll do something similar, although we’ll need local paying banks to cash the paychecks. Several states don’t look kindly on what.
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