Katie glanced at the bank clock and realized she was the first customer of the day. Tottie had not only supported her decision, she’d sprung out of bed and hugged her. That was verification enough for Katie. Across from her, a neatly dressed bank officer consulted the loan form. “You would need the loan for thirty-six months?” “Yes. I can offer my home as collateral.” She’d promised Grandpops to never risk the home unless hell froze over. She was pretty sure they were wearing overcoats down there today. “Well, I don’t see any reason why we can’t help. When will you need the money?” “As soon as possible. We have an expectant mother who is due anyday. The house is really cold and drafty for a newborn. We needed a new roof yesterday.” “I understand.” Katie left the bank with the promise of a loan and renewed hope. One thing left to do — no, two things. She had to arrange for a new roof and call Warren and tell him she’d decided to stay. Tough it out. Bite the bullet.
