The dilemma

Theo's hands won't stay still. "It started small," he says. "Money got tight, jobs piled up, so I signed off checks I never did." He swears he stopped after March. Somewhere out there, families are asleep in those flats tonight. "Please. Just keep this between us." Then his phone lights up on the table, and he turns it face down.

Your options

1. Tell him the people in those flats come first. Every one gets a real check, starting now.
2. Tell him you'll face this together, but it stays inside the family for now.
3. Tell him there's no version of this where he doesn't report himself.