Gearhart’s control of Atascadero

December 1, 2010

Kelly Gearhart

(Editor’s note: This is the second in a four part series about the story of North County developer Kelly Gearhart and his political allies. Part one was Fraud, arson and betrayal.)


As he built his empire, Kelly Gearhart’s relationships with public officials made it possible for him to skirt building requirements, thereby saving him hundreds of thousands in development costs.

These exceptions risked public safety, cost the county revenue and negatively impacted the availability of low cost housing, according to several sources who spoke to CalCoastNews.

His relationships with community leaders in Atascadero, especially the Atascadero Chamber of Commerce and some City Council members and staff, provided Gearhart with the appearance that he was an upstanding civic-minded citizen when, in fact, he was breaking state and federal laws.

And officials in Atascadero either looked the other way or seemed powerless to stop him.

In numerous interviews and in the reading of countless documents, some obtained by walking door to door asking homeowners for copies of their housing records, CalCoastNews has learned that Gearhart regularly broke laws meant to protect the public and provide housing for the poor.

The image of him as a successful developer helped lure hundreds of local people to invest in his projects.

Kelly Gearhart in his jet

More than 1,200 investors, primarily seniors, invested more than $100 million into Gearhart’s projects, most of the funds are currently unaccounted for because of an alleged Ponzi scheme. In addition, Gearhart filed a personal bankruptcy claiming an estimated $45.1 million in personal debt.

Low Cost Housing

Public officials and employees in Atascadero, under the guise of assisting the poor or providing amenities to the community, made deals with Gearhart and his partners to provide low cost housing, open space and parks as part of their projects’ conditions of approval.

Low-cost housing programs, however, can be exploited by unscrupulous developers, either with the complicity of the governing body or when there are insufficient controls in place.

In 2002, Atascadero finalized a new general plan that rezoned large portions of the city for higher-density housing. Gearhart participated in many of the public meetings leading up to these changes.

The rezoning increased density allowing for more housing in a smaller area. In exchange, developers were required to provide a public benefit, such as setting aside a certain number of houses for the poor, providing open space or small parks.

But Gearhart regularly ignored these low-income requirements and placed family members and friends in the houses, CalCoastNews has learned.

When city staffers became aware of the alleged actions through complaints by the Housing Authority for San Luis Obispo (HASLO), they responded by eliminating the local housing authority oversight.

After discovering Gearhart had placed his mother-in-law into a low-income home in Atascadero, was not certifying home buyers and renters and was objecting to home inspections by HASLO, Carol Hatley, the executive director of HASLO sent an e-mail to the city asking how she should handle the situation. HASLO has a mission to assist the county’s lower-income citizens to secure and maintain long-term housing.

HASLO inspects low-cost housing and income certification for most of San Luis Obispo County. In addition, it owns and manages about 520 low-cost housing units in the county, including three projects in Atascadero.

In response to the e-mail, city officials stopped working with HASLO and instead took over the process of approving and monitoring low and moderate income applicants and properties developers used as part of their conditions of approval.

“They said they would handle it themselves,” Hatley said. “There is such a need. We are the third least affordable community in the nation.”

Kelly Gearhart

Without oversight, Gearhart continued to place his family members in the low cost income restricted homes, according to public records.

In 2004, Gearhart built a small 15-unit subdivision off of Portola Road in Atascadero with two low-cost housing units.

On Feb. 25, 2005, while one of the low cost units, a 996-square-foot, two-bedroom at 8945 Cason Ct., was still in his name, Gearhart was able to procure a $1.4 million line of credit using the home for collateral from San Luis Trust Bank, according to title records.

Two months later, Gearhart sold the deed-restricted, low-cost home to his stepson.

Low-income, deed-restricted properties should have been noted on the maps filed in the county by the title company.

Gearhart, however, used Cuesta Title, a company owned by his former partner in several projects in Atascadero, Tom Murrell.

In an odd twist, Melanie Schneider, an ex-employee of Cuesta Title who was a key person in the majority of Gearhart’s transactions, moved to Colorado with Kelly Gearhart’s brother, Doug Gearhart, shortly after several federal and state agencies began to investigate the builder for fraud.

In 2007, Gearhart purchased the home on Cason Court back from his stepson and began renting out the property, even though his income would not qualify him to purchase a low-cost, deed-restricted housing unit. Despite laws prohibiting Gearhart’s purchase, city officials have not questioned him about this particular purchase.

Meanwhile, Gearhart’s stepson is currently living in the home.

After needy families and the disabled are approved for low-cost rentals, the average wait time is approximately two years.

In the city file for the Cason Court property, the ‘L’ for low income is scratched out and someone hand wrote ‘M’ for moderate income in ink.

With a lack of oversight, the city’s Community Development Department determined properties with specific pricing and income requirements could be manipulated, which increased the price of homes and profits for Gearhart and others dramatically.

Bruce White

For example, in the late 1990s, Gearhart and his former partner, current San Luis Obispo County Planning Commissioner Bruce White, negotiated with the city of Atascadero for the right to build a high density subdivision in exchange for providing three low-cost homes, according to the Agreement for Density Bonus Providing Three Housing Units for Specific Sales Prices.

Reached by e-mail for comment, White did not respond.

Gearhart and White built 18 two-bedroom “efficiency houses” on three small streets off of Traffic Way east of U.S. Highway 101. The non-deed restricted homes were advertised at $139,900 a piece, according to a sales brochure.

The pair sold one of the low-income properties to an acquaintance for approximately the same price as the rest of the homes in the subdivision. Gearhart and White then transferred their 50 percent ownership in each of the remaining two low-cost houses to the other, county records show.

A few months later, Gearhart sold his low-cost home for a non-disclosed amount.

White moved his fiancee into the other home and kept it in his name until he sold it in 2003 for $297,926, even though, according to the agreement, it should have had a maximum sales price of $166,240.

California Health and Safety Code 50093 requires that those who purchase or rent the homes meet very low, low- or moderate-income levels.

City officials arrived at the higher maximum price by determining that the buyers were required to be moderate and that a different formula could be used to determine price than is in the contract.

“Our interpretation was that it could have been valued either way,” said Atascadero Community Development Director Warren Frace. “The buyer and the seller go hand and hand and it was consistent with moderate income.”

White sold the home as a three-bedroom after he tore out the firewall between the home and the garage – a health and safety code violation – and added a closet. The changes transformed the den into a third bedroom, all without getting the required permits.

Generally, illegal room additions are not recognized as part of a home’s resale value.

County records regarding the homes are inconsistent and the property deeds and maps in the county recorders office fail to note that the properties are deed restricted low cost housing units. At least two of the homeowners claim they had no idea they were purchasing a low-cost, deed-restricted home.

Staff members in Atascadero have noted that their documentation of White and Gearhart-built low-cost homes is incomplete.

“I have looked at the file, and the documents are not complete, and I do not see an existing agreement,” Kerry Morgason, associate planner, said in a 2008 e-mail regarding a low-cost home built by Gearhart and White.

Gearhart and White were also able to cut their cost of a surety bond required by their Subdivision Improvement Agreement with the city of Atascadero.

The bonds assure that if a developer fails to follow through on his agreement to provide public improvements such as sewers, streets, storm drains and utilities, the community will have the funds to finish the work.

In the case of White and Gearhart’s Traffic Way subdivision, a surety performance bond required by municipalities before construction begins would have cost the developers about $5,000 in premiums over two years. For more than a decade, most of Gearhart’s projects were not bonded through a licensed surety company, saving Gearhart hundreds of thousands of dollars in premium costs.

Instead, Hurst Financial, Inc. – Gearhart’s lender and one of the subjects of an FBI organized crime investigation – was listed as the surety bondholder even though it was not a bond company. According to the city’s agreement, staff as well as the city attorney were responsible for approving the bond.

Public parks

In 2006, Atascadero city officials agreed to allow Gearhart to put in a high-density subdivision next to Highway 101 on Marchant Avenue in exchange for a park-like area. However, instead of following through on the agreement, Gearhart put an illegal parking lot and a third driveway in place of a park.

After complaints were lodged, public works staffer Joe Chouinard ordered Gearhart to tear out the driveway and transform the area back to a park-like setting, according to the project review.

Gearhart fought the order and was accused of trying to bully some of the city’s community development staff to approve the changes. When the staff refused, their boss, Frace, went to bat for Gearhart and asked the planning commission to approve the changes.

One staffer responded by sending an angry e-mail to Frace in October 2008 in which he notes that Gearhart asked them to not only support his request but to also waive the planning commission authority over the change. The staffer wrote in an e-mail to Frace:

“The point of this e-mail is to remind you (and maybe myself) that city staff does favor Mr. Gearhart and routinely changes policy, skirts the code, allows building without permit, and provides service and preferential treatment that no other developers receive … My position remains firm that staff should present a staff report not influenced by the events of today’s meeting.”

The planning commission denied Gearhart’s request.

Shortly afterwards, Frace approved Gearhart’s request to leave the driveway and parking lot and change it into a park by covering it with artificial turf, according to an Oct. 26, 2006 letter from Frace to Gearhart.

Public safety

Gearhart also has cut corners in regards to utility safety requirements.

Gearhart built a 14-acre, 60-unit development near the Home Depot. Access to the DeAnza Senor Cottage community required that Gearhart build two bridges, one over a creek and the second over railroad tracks, in order to access the property.

After Gearhart built the bridges with only one conduit for utility lines, gas company officials informed him he could not run a gas line in the same conduit with electric lines because of safety issues. In response, Gearhart decided to purchase a large propane tank to supply the subdivision with fuel.

However, California Public Utility codes require that Gearhart had the property monitored for safety through the California Public Utilities Commission’s small operator safety program that includes monitoring such as yearly line safety checks. Gearhart failed to follow through on the state requirements.

Meanwhile, Gearhart’s hard-money lending schemes and questionable business practices have jeopardized the financial well being of hundreds of local seniors.

Rita is a 65-year-old Cambria resident who suffers from multiple sclerosis and can no longer walk. Her husband placed the couple’s savings, $830,000, with Hurst Financial into a Gearhart project prior to his death. He thought he had protected his wife’s future by guaranteeing her financial security.

“I need 24-hour care,” Rita said more than a year ago. “Without my interest and possibly my investment, I’m not going to be able to afford my caregivers and I will have to sell my house. I don’t know where I will end up. I am scared.”

Rita lost her home and is currently living in a low-cost care facility.

Some of Gearhart’s supporters contend that if he had been successful in bringing an Indian casino to Paso Robles, he would have had the funds to cover his debts.


There are compeling reasons to look into Greg Porters part in this.

He was on the planning commission during the heat of this mess.

It would be interesting to know how many projects, that were NOT Gearharts got passed and were not delayed while Gearharts were given the go-ahead.

Mr. Holly

Could someone please identify which projects were the BAD ones that were passed by the Planning Commission and the City Council. If I stand correct there are 7 members on the Planning Commission and 5 members on the City Council.

Mr. Porter votes I’m sure went along with the majority of the Planning Commission which at that time had Joan O’Keefe and Ellen Beraud on the the Planning Commission who were clearly against almost all of Gearhart’s projects whether they were good or bad. And again, I ask which projects were BAD, not considering that investorts were ripped off which had absolutely nothing to do with whether the projects were either good or BAD according to the requirements of the city.


If I’m not mistaken, the Atascadero News was once owned by David Weyrich, and Weyrich was deeply involved with Heritage Oaks bank. ( Mr. Weyrich attended openings of new Heritage Oaks Branches and had his employees serve free complimentary Martin and Weyrich wine to customers/potential customers.) I think Weyrich was on the bank’s board of directors at one time, but has since had reason to want to distance himself from the institution.

Bottom line: Something stinks. It’s been that way for a long time and the stink has not gone away.


Wise, I think you may have Weyrich’s owning of papers mixed up. The Porter family has owned the Atascadero News for quite some time. Weyrich did have one of his many city versions (i.e. Paso, SLO, A.G. etc) of the defunct Gazzette in Atas. Is that the paper you might be thinking of?

There still is an interesting aspect to the Atascadero News though. One of the Porters (I don’t remember his name) was on the Atascadero Planning commission around ’03. At the same time he was (I think) the vise president of the Paso branch of Heritage Oaks bank. If not V.P. he was some sort of executive at that Branch. That is an angle brought up before that I wonder if it has ever been looked into for any improprities. Oh and one last. Kelly around the same time did an addition on this same individual’s home.


The Porter family has owned the Atascadero News for at least 40 years. I know Jack Porter was the editor for many of those years and retired as editor a few years ago as it was reported in the A-News, but he still owns the paper. I do recall Greg Porter being on the planning commission in 2003 and he was a big fan of Gearhart. He pushed through all his projects. I also know that there was a Porter at HOB who signed off on many unsecured loans to Gearhart and that those loans went bad, it is in the millions of $$$. I don’t recall if the Porter at HOB was Greg Porter or another family member. What I do know is that they are all the same family and that Greg and Kelly have been the best of buddies since grade school.


Thank you for clearing that up. I got mixed up. My apology.

I think it was the Atascadero News press that PRINTED all of Weyrich’s Gazette newspapers at one point. Does that make any sense?

Aaron Crutchfield

The Atascadero News was owned by the Porter family from 1949 until 2003, at which time they sold it to News Media Corporation of Rochelle, Ill. Jud Porter retired at that time, while Jim and Jack continued to work there. Jim was the second to retire and Jack was the last to retire (as publisher, not as editor). The Porter family continues to own the building and the paper rents the space from them, but otherwise they don’t have involvement with the paper.

Before News Media Corporation bought the Atascadero News, it had already bought the Paso Robles Press as well as the Gazette, including Weyrich’s printing press. The Atascadero News had its own press (which wasn’t capable of printing in full color and was sold after Atascadero News production shifted to the newer, full-color press). You could say that the Atascadero News press printed Weyrich’s papers, but the press had already been sold by Weyrich before printing any Atascadero News issues.


“Low-cost housing programs, however, can be exploited by unscrupulous developers, either with the complicity of the governing body or when there are insufficient controls in place.”

Like the D.R.E. and the D.O.C., that’s why they make abbreviations, so they can claim it wasn’t our department’s responsibility, why they have two? Too blame it on the other!

Pismo city council did this some years back it should of been a warning, seems like to some it was a green light!


“Shortly afterwards, Frace approved Gearhart’s request to leave the driveway and parking lot and change it into a park by covering it with artificial turf, according to an Oct. 26, 2006 letter from Frace to Gearhart.” Seems Frace was manipulated, bribed, blackmailed or just plain frustrated to his end and let him do what ever he wanted anyway, nice email to Gearhart.


The Atascadero editorial is an absolute joke and perhaps Crutchfield needs to step back and concentrate on reporting his sports stories.

Atascadero News has become part of the community’s overall problems. The publisher began looking the other way as Atascadero began circling the drain.

Keep in mind that Jack Porter was the publisher during Gearhart’s reign and his kin, Greg Porter, was on the planning commission, scratching Gearharts back. Greg Porter was also a loan officer for Heritage Oaks Bank. Who do you think was one of Porter’s principle clients? When HOB began reeling from the Gearhart loan defaults, Porter suddenly disappeared from the bank. ……… Hmmmmmm?

And doesn’t the Atascadero News benefit handsomely from Wade McKinney’s diversion of tax paid dollars to support advertising? I’m seeing a pattern here … How about the rest of you readers?

So Mr. Crutchfield’s suggestion that the story isn’t being reported, “because we have the responsibility to report the truth. We have the responsibility to the readers and citizens of Atascadero not to mislead them.”

Baloney!!! Atascadero News won’t print the story because of self serving interests. They are not a watch dog but a lap dog.

So Mr Crutchfield’s comment about Atascadero News reporting the truth and not misleading the public is laughable and I am reminded of Jack Nickolson’s response to Tom Cruise in the movie “A Few Good Men.”

Kaffee: I want the truth!

Col. Jessep: [shouts] You can’t handle the truth!

Aaron Crutchfield

If you think we’re dropping the ball, send us some info and let’s see what we can do to regain your trust as the paper of record for Atascadero.


Hi Aaron. I’m glad you chimed in here. First of all I think your editorial remarks are little more than lame excuses. As for you guys “dropping the ball”, my question is: When did you ever pick up the ball?

Now you are asking us to send you some “info”. Well, isn’t is the newspaper’s job to track down the info? Criminal news isn’t like sports. You can’t expect the crooks to simply “send in the scores” so you can print them, as happens at the sports desk with sports news.

Face it, Aaron, and others at Atascadero News: Your newspaper has problems and it is doing a disservice to the community by continually ignoring or making excuses for all the scandals that continually rock your community.

It was obvious to me for years that Gearhart (and many others) is a crook. And its not even my job to identify the crooks. How can the folks at the Atascadero News be so blind? I don’t believe it is because of pure stupidity? There’s something else going on there and you shouldn’t need me or anyone else to hand you the answers on a silver platter. And if we did, why should we expect you would properly follow through? Where is your credibility?

Aaron Crutchfield

By “info,” I mean “we want to hear from the victims.”


Want to write a story about the how’s, way’s and mean’s of Kelly Gearhart and the methods that provided him the ability to pull off the biggest fraud to ever hit SLO County? Really, because if you do, an interesting part of it is sitting right there in your lap and you have access to a source that the rest of the media doesn’t have. That source goes by the last name of Porter. Why not interview him about his lending practices while he was employed at Heritage Oaks Bank and inquire as to what possessed him fund loans that weren’t worth the paper that the contracts were signed on.

How many of you victims would be interested in that story?


Aaron, aren’t there HUNDREDS of victims? Do you mean to tell me an Atascadero News reporter hasn’t been able to track one down?

But in any case, with or without “victims” cooperation, there seems to be plenty of crime and scandal stories in Atascadero that a decent newspaper could and should report on.


The entire town is a victim. Start there.


Let me put it this way, Aaron, my ernest but naive friend: If an elephant escaped from the zoo and crapped a hundred pound load on the door step of the Atascadero News office, would you be asking the public for “info” before you could figure out how to report it in the paper?

Well, crooks are crapping all over your community, as they have been for a number of years. THAT is the info. Now GET TO WORK or admit that there is a lot of truth that you can’t report on at the Atascadero News without being fired for it. The elephant is lose and continues crapping up a storm. Get a clue, please.


Aaron: You could start by interviewing Marion Warner. And then you could retrace Karen’s footsteps, going door-to-door, talking to neighbors, poring over the documents involving Bruce White and low-income housing. It’s called investigative reporting. Give it a try.

knows it

A quote from Aarons article:

“We’re fortunate enough to have good relationships with City Hall…”

That quote in itself is proof why they dont want to report on any of this. The crooks are in (or was) in City Hall-people Aaron himself says they have “good relationships”.

Is a paper supposed to have good relationships with city hall-or a professional one?

If it’s a “good relationship” then how does the paper report on “bad” stuff coming out of city hall?

Aaron-your advertisers are hurting because so much money has vanished. Some of your advertisers have had to close their businesses.

The ball is in your court. Atascadero News has an opportunity to report and inform the public on the most important story to ever to come out of your town. This is one of the biggest stories to ever come out San Luis Obispo County.

When the FBI goes out and rounds up the crooks this story will run in papers throughout the nation as being one of the biggest scams to ever come out of an area this small.

This is all happening now. It all started in Atascadero California.

Question: Where is the local (?) paper during all this?

Answer: Probably playing golf with City Hall.


When the FBI comes around asking questions, THAT in itself is news. You remember news, right? It’s what you get paid to report. So report it…


This is the editorial run by the Atascadero News Friday, explaining why they’re not covering the Kelly Gearhart story. It was written by their sports editor.


What’s with the A-News knocking CCN and sticking up for Kelly Gearhart? I was so incensed that I did a little research to find out what the motivation was.

Voila!!! Remember the scandal with Heritage Oaks Bank where a high ranking officials actions by the name of Porter came into question? That individual is the son of the Atascadero News owner Jack Porter and is the same Porter that authorized all the unsecured bank loans to Gearhart. Turns out they have been good friends for many years. No doubt the FBI has taken a good look at HOB and the irregular transactions that Porter afforded Gearhart to further his ponzi scheme. What an idiot, 1200 investors have been defrauded and Jack Porter takes to the press defending Gearhart and chastising Karen. Boycott the A-News.


I’ve got no dog in this fight, but after reading that Op-Ed piece I can only wonder what real journalists feel about Mr. Crutchfield.

You know, the folks that actually believe that its the press’s duty to be the publics watchdog, not the lap dog of government or the police.

Turn in your press badge sir, you are nothing more than a poser.

Bad and or lackadaisical Newspapers can be just as bad as the criminals themselves, especially when they get in bed with the government.

And to allude that CCN is reporting in a way that harms the citizens of Atascadero simply stupid.

No wonder things are so Effed Up there.

knows it

Dear Santa,

We have been bad for a long, long time.

We cheated the system.

We made crooks out of our fellow professionals.

We have broken rules.

We made crooks out of family people.

Worst of all-we got really, really greedy by scratching each others back. As a result we screwed families out of millions and millions of dollars. We have bankrupted families and even elderly. We have wiped out the retirement savings of seniors. Some are in their 80’s. People in their 70’s and 80’s have had to go back to work so they can eat.

The people we screwed can never have a Christmas like they remember. Now that I think about it-they cant take vacations either. Or have nice birthdays, or buy things they would like to have. Gosh-some have even lost their homes.

Oh shit-what have we done?

We have been good this year, maybe it’s because we have the FBI chasing our asses.

Oh shit-I think we are going to prison for all the shit we have done.

We have been good enough to put together a Christmas list of things that we will need before we go to prison. Here’s a small list of things we will need:

Lot’s of books to read in our cells

Note pads and pens to write to our families.


Kelly Gearhart

Jay Miller

Bruce White

Tom Bordanaro

Wade Mckinney

Jerry Clay

Warren Frace


Add Melanie Schnieder from Cuesta Title, they never could have done all of this damage without the help from that title company. Don’t forget about the forge queen, Tamara Lowe and what about Millers daughter, Courtney? She was right in there raking in the investors money with a smile and promise that they were making a very safe investment backed by clear property deeds. What about Grigger Jones who tried to hide the million dollars from the bankruptcy court by transferring and renaming the casino LLC? There are also a few “banksters” actions that come into question from HOB and San Luis Trust.


Where the hell is Tom O’Malley on this list? You don’t think he was innocent in all this, do you or did you just forget to include him? He never voted down a Gearhart request in all his years as a Planning Commissioner or a CC member. He thought Kelly Gearhart was the cats meow. Hey Gearhart didn’t get away with all this without the City Council turning a blind eye and signing off. They weren’t stupid and they weren’t ignorant either. Both the State and the FBI were back at city hall last week, they weren’t looking for something new, they were following up on what they already knew.


“Hurst Financial, Inc. – Gearhart’s lender and one of the subjects of an FBI organized crime investigation – was listed as the surety bondholder even though it was not a bond company. According to the city’s agreement, staff as well as the city attorney were responsible for approving the bond.” Not bonded, these clowns broke every rule, somebody is going to start singing, this party is just getting started, inside info.


I noticed that. Talk about leaving the citizens out there flapping in the wind. So if Gearhart didn’t follow through with his public improvements like sewer lines on projects where it was a condition of approval, then the public had no recourse. I know there were a couple of families that got caught in that dilemma. Not sure how it resolved itself. You can be sure that the competing honest developers were required to obtain “real bonds” and no one is going to tell me that our city attorney and illustrious planning department didn’t know that Hurst wasn’t a bonding company. When I consider how unfair it was to everyone and then adding the fact that he ripped off 100 million from the community, it makes me want to go down to city hall and knock a few people out, I didn’t say knock off, I said knock out. Anyone up for a fund raiser by means of a boxing match?


Right on! LOL and I needed that right now! There is some thing going on even the FBI was talking. Grigger was mentioned seems they are extremely up to date on the behavior, past and present of some City and Planning County Employees, along with ten–thousand other people!

But they assured me they were getting right on it, I would be scared! Seriously these FBI guys just show up and Ka-Pow-Pow,,,, rattat-ta-tat-at-at-at-at-a,,,,, Efram Zimbulous Jr. F.B.I.



Well, well, well, So Grigger Jones lied in court and told Nanci Meek that the PI JI Ho Ta Casino was defunct and that the LLC was disbanded. Fact is that it is alive and well and active, now why would Grigger perjure himself and lie about something like that? It couldn’t be that he doesn’t want anybody to start questioning where he got his share of the investment money, could it? Does anybody think that $646K is worth assisting a 5th wife to defraud the estate of her husbands children and forging documents? Funny thing is that $646K was some how mysteriously transferred out through the bank of Hawaii to an unknown (soon to be known) location and the investment amount of each PI Ji Ho Ta partner was $646K. Just saying that it’s getting rather curious. Have fun Nanci and God Bless you, if it wasn’t for you investigating and calling the FBI about the Pi Ji Ho Ta Casino in the first place, it would have remained undisclosed thanks to Grigger Jones and his slight of hand.


Working on the paper trail but eventually the truth will come out right?


Right. No question about that.

Wrong Bank? Don’t worry, they’ll trace it backwards.