I had been a widow for three months after my Air Line Executive husband dropped dead of a heart attack at age 52.  I was still in the throes of depression.  Alternating from manic activity to taking to my bed in tears for days at a time. The insurance money had not been sent yet and I was existing on the good will of the President of the Oakland branch of Bank of America.  Candace Banducci was a fellow member of Sequoia Country Club and often a golf partner of my husband.  He also served on several of the same charities as my husband and me,  so we often socialized together.  I had taken the numerous insurance policies to him and made him aware of their existence.  He was able to flag my checking account and personally permitted the overdrafts to my account.  I was able to continue to write…