Traps it covers
not_saved Marcus has no life policy of his own, only twice his salary through the district; the reminder has been open since January 2025. Neither of them has a signed will: the lawyer's 2022 draft of Leah's is saved, Marcus's matching draft is not, and they stalled on the alternate guardian. Marcus's W-2 comes on paper and goes straight to the accountant, so only Leah's 2025 W-2 is saved. His box 1 was $62,807.90, federal tax withheld $4,378, Ohio $1,454; none of that is in the account.
only_in_file Cash to close ($37,773.28), the seller credit and "no prepayment penalty" are only in the closing disclosure. The escrow balance and late fee are only on the mortgage statement. The life policy's beneficiaries are only on its schedule. Marcus's cholesterol and A1c values are only on the lab report. Nora's grades and absences are only on the report card. The August 3 deadline is only in the school nurse's letter. The 2025 refund is only in the accountant's letter. The office and specialist copays are only on the picture of the insurance card.
only_in_file The orthodontist's terms (a replacement retainer is $175, a missed appointment $40, the insurance figure is an estimate) are only in the contract. The lien release letter says what is left to do: take it and the title to a title office, and tell the insurer to drop the credit union as loss payee; nothing shows either was done. The guardian named for the children (Maren, alternate Tunde, unsettled) is only in an unsigned draft and has no effect. That Nora carries her own inhaler and the clinic has no spare is only on the school form. The 2025 mortgage interest ($9,123.12) and Leah's wages are only on the tax forms.
