Ray bit the inside of his lip, hard, before speaking. "W-Well, t-there's a few things we n-need to do. P-Please, i-it's..." He paused a few moments, wracking his brain for a good excuse. "I-I need to get money into my sister's checking account. S-She had asked a few days ago, and I don't want to keep her waiting. Please, can we continue this later?" For a brief moment, Ray looked anxious, as (for what he knew) his sister's life was on the line.