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I thought we would beat it again. When the insurance ran out, we borrowed. When we reached our credit limit, we lied and borrowed more. Tom wasn’t here to see the river of financial sludge left in the wake of his illness. He knew it in the end and refused treatment, trying to lessen the burden. I would have assumed the national debt if it meant another day. My arguments fell on loving deaf ears. He died in my arms, at home where he belonged. I opened the jaws of the mailbox and reached into its throat. I withdrew a small stack of letters, most covered with red ink. My heart constricted as it always did. I was still not used to being dead broke. I had placated the financial leeches for over a year, parsing out the life insurance proceeds in conservative installments. Now, that spigot had run dry. It was my own fault. I had supported Tom through college, never seeking a degree myself. My bookkeeping job, the one I wasn’t qualified for, handed to me by a dear friend, didn’t come close. They were ready to buy the entire special loan portfolio from the bank at its face value and pay us a servicing fee. In other words, any risk in this portfolio ran directly to the owners of this bank personally! Have you ever heard of such an endorsement? Incidentally, the backing was to their entire personal net worth, a sum of money that totals nearly $10 billion! The bank, the other depositors, and the FDIC couldn't possibly lose."On the other hand, we did have problems with the examiners regarding this portfolio. It's not quite the problem we anticipated, however. You see, the examiners questioned why we have any loan loss reserves, pointing out — correctly — that we have not yet lost a dime! However, I don't want you to think my daughter has no problems. She certainly does. Her problem is keeping her loans on the books. The first loan she made was about six months ago. It was a five-year term loan to fix up a restaurant in Deerfield."Turning to his daughter, Don said, "Cindy, I.
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