never shared that kind of thing with her grandmother, especially where Jim was concerned. Anna had said from the beginning that Jim was the wrong man for Karla. Karla had been furious the first time she expressed her opinion and unforgiving when it turned out that Anna was right. The almost century-old pipes clanged as Anna turned on the shower. Karla wiped her hands on the kitchen towel and reached for the phone on the wall above the table. She had her hand on the receiver when the bell sounded. âAnna Olsenâs residence,â Karla said. âKarlaâthank goodness youâre there. I was afraid you might still be en route from Heatherâs.â At the sound of Graceâs overly cheerful voiceâthe one she used when she wanted somethingâthe French toast Karla had eaten turned to a lump in her stomach. âI got in last night. Why are you looking for me?â âWe forgot about the insurance for the new car.â âNo, we didnât. You said you were going to call your agent first thing Monday morning.â âThatâs not what I mean. You forgot to figure how much it was going to cost when you arranged the financing.â Karla was suddenly, overwhelmingly weary. She leaned into the wall and cradled the receiver between her shoulder and ear. âYou donât include insurance in an auto loan, Grace. Thatâs something you take care of separately. The same way you did with your old car.â âI didnât have insurance on the old car.â âYou must have. You canât renew your license in California without proof of insurance.â The silence that followed lasted so long Karla began to wonder if theyâd been disconnected. âI saw a current tag on your old car, Grace. If you didnât pay to have it renewed, how did it get there?â âYou donât want to know.â âI hope you didnât tell the insurance agent about this.â âIâm not stupid, Karla,â she said testily. âAnd I donât need a lecture.â âSo why did you call?â âI need eight hundred and twelve dollars to pay the first six monthsâ insurance or that idiot salesman wonât let me pick up my car.â After all sheâd already been through to help Grace get reliable transportation, it seemed stupid to stop at eight hundred and twelve dollars. Still, it grated that Grace had automatically assumed she was good for it. âDid you ask about making monthly payments?â âWhat good would that do? You saw my bills. You know I barely get by on what I make now.â Much to Graceâs annoyance, Karla had insisted on looking at her expenses to see whether she could handle monthly car payments. Between the cost of acting, singing, and dancing lessons along with being seen at restaurants the in-crowd frequented and the upkeep on the wardrobe she insisted she needed to impress the âright people,â Grace barely made her portion of the rent each month. If her two roommates hadnât had the power to evict her, Karla doubted Grace would have taken that commitment seriously. Karla had refused to cosign the loan until Grace agreed to follow the budget she set up for her. A budget that accommodated the car payment, but not the insurance. âSo youâre asking me for a loan?â Karla said. âYou know Iâm good for it.â Karla opened Annaâs junk drawer and poked around for a pen and paper. âGive me the name and address of the insurance agent. Iâll get a check out to him today.â âCouldnât you just call and give him your credit card number? The car is going to be ready this afternoon.â It might be the reasonable thing to do, but Karla wasnât in the mood to be reasonable. âItâs a check or nothing.â âI have an audition tomorrow. How am I supposed to get there?â âTake the bus.â âThe