The Bar makes us keep a separate account, a trust account, which consists of the retainers from clients. We can’t take from it until we’ve earned the money with our work. Chase Bank screwed up some big retainer deposits to my trust account, which wreaked havoc on my clients. So I put some of my personal money into the trust account as a cushion protecting my clients if the bank did it again. The Bar decided that was embezzlement, even though the definition of that word means me taking money out of the account which I never did. Chase even broke their normal policy by writing a letter to the Bar explaining the situation, but the Bar rejected that because they assumed I had strong armed Chase Bank. If only I had that much power.