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Duck,
I'm sure you have thought about the possibility that if you implement procedures to stop the missing cash flow, that you also inherent the possibility of your "fair haired child" leaving anyway - possibility due to the demise of her "extra" tip fund.
Several different ways to handle this situation. The camera idea is good. Limiting access to the til is good. Mentioning it to her without making her too paranoid is good.
It sucks when one of your best is possibly tipping the til. Good luck to you.
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