Borrowing Car Quotes

You stole my car." "Borrowed it I did, return it I will." "Okay Yoda, can I have the woman whose body you stole back?

The end of the world started when a pegasus landed on the hood of my car. Up until then I was having a great afternoon.Technically I wasn't supposed to be driving because I wouldn't turn sixteen for another week, but my mom and my stepdad, Paul, took my friend Rachel and me to the private stretch of beach on the South Shore, and Paul let us borrow his Prius for a short spin. Now, I know what your thinking, Wow, that was really irresponsible of him, blah, blah, blah, but Paul knows me pretty well. He's seen me slice up demons and leap out of exploding buildings, so he probably figured taking a car a few hundred yards wasn't exactly the most dangerous thing I'd ever done.

Can I borrow the car today, Mom? We'll get soaked if we walk-" "Hmph," Dad interrupted. "When I was a boy-" "Yeah, yeah," Cara interrupted back. "You walked to school naked in the snow or something. So can I?

But it all zipped by. One minute Marlena and I were up to our eyeballs, and the next thing we knew the kids were borrowing the car and fleeing the coop for college. And now, here I am. In my nineties and alone.

Francis, I need to borrow your car. Bring gloves." He laughed hysterically over the line. "why? Are you trying to hide evidence?" I didn't bother laughing with him. "Shit" Francis cursed. "Please don't tell me I need to bring a shovel.

Having a teenager is like having a really, really shitty roommate. They eat all your food and steal your clothes and take money out of your purse and borrow your car without asking.

On Proper Etiquette for Borrowing His Car “You borrowed the car, and now it smells like shit. I don’t care if you smell like shit, that’s your business. But when you shit up my car, then that’s my business. Take it somewhere and un-shit that smell.

I've decided that there isn't much difference in the way we treat our siblings and the way we treat our special someones. But at the end of it all we know our siblings have to forgive us...or they'll never be able to borrow our car.

Write it. Just write it. Write it on receipts in the car while you wait for your kid to finish their piano lessons, scribble on napkins at lunch with friends. Type on crappy typewriters or borrow computers if you have to. Fill notebooks with ink. Write inside your head while you’re in traffic and when you’re sitting in the doctor’s office. Write the truth, write lies. Write the perfect spouse. Write your dreams. Write your nightmares. Write while you cry about what you’re writing, write while you laugh out loud at your own words. Write until your fingers hurt, then keep writing more. Don’t ever stop writing. Don’t ever give up on your story, no matter what “they” say. Don’t ever let anybody take away your voice. You have something to say, your soul has a story to tell. Write it. There is never any reason to be afraid. Just write it and then put it out there for the world. Shove it up a flag pole and see who salutes it. Somebody will say it’s crap. So what? Somebody else will love it. And that’s what writing’s about. Love. Love of the art, love of the story, and love for and from the people who really understand your work. Nobody else matters. Love yourself. Love your work. Be brave. Just write.

The Western States nervous under the beginning change. Texas and Oklahoma, Kansas and Arkansas, New Mexico, Arizona, California. A single family moved from the land. Pa borrowed money from the bank, and now the bank wants the land. The land company--that's the bank when it has land --wants tractors, not families on the land. Is a tractor bad? Is the power that turns the long furrows wrong? If this tractor were ours it would be good--not mine, but ours. If our tractor turned the long furrows of our land, it would be good. Not my land, but ours. We could love that tractor then as we have loved this land when it was ours. But the tractor does two things--it turns the land and turns us off the land. There is little difference between this tractor and a tank. The people are driven, intimidated, hurt by both. We must think about this. One man, one family driven from the land; this rusty car creaking along the highway to the west. I lost my land, a single tractor took my land. I am alone and bewildered. And in the night one family camps in a ditch and another family pulls in and the tents come out. The two men squat on their hams and the women and children listen. Here is the node, you who hate change and fear revolution. Keep these two squatting men apart; make them hate, fear, suspect each other. Here is the anlarge of the thing you fear. This is the zygote. For here "I lost my land" is changed; a cell is split and from its splitting grows the thing you hate--"We lost our land." The danger is here, for two men are not as lonely and perplexed as one. And from this first "we" there grows a still more dangerous thing: "I have a little food" plus "I have none." If from this problem the sum is "We have a little food," the thing is on its way, the movement has direction. Only a little multiplication now, and this land, this tractor are ours. The two men squatting in a ditch, the little fire, the side- meat stewing in a single pot, the silent, stone-eyed women; behind, the children listening with their souls to words their minds do not understand. The night draws down. The baby has a cold. Here, take this blanket. It's wool. It was my mother's blanket--take it for the baby. This is the thing to bomb. This is the beginning--from "I" to "we." If you who own the things people must have could understand this, you might preserve yourself. If you could separate causes from results, if you could know Paine, Marx, Jefferson, Lenin, were results, not causes, you might survive. But that you cannot know. For the quality of owning freezes you forever into "I," and cuts you off forever from the "we." The Western States are nervous under the begining change. Need is the stimulus to concept, concept to action. A half-million people moving over the country; a million more restive, ready to move; ten million more feeling the first nervousness. And tractors turning the multiple furrows in the vacant land.

Since when are you so 'faithful'? just a couple of years ago you would show up in your tight jeans and borrow our car to pick up one of your five girlfriends. You think that beard makes you a man of God?

From what I picked up during the remainder of the evening, Campbell Ames had a reputation for pulling "stunts like this". It wasn't entirely clear what constituted as a stunt, though I did gather that borrowing cars that didn't belong to her and wearing white after Labor Day were both in Campbell's repertoire.

But I knew the way the people in the town thought about things. They always had some time left over from their life to bother about other people and what they did. They thought they had to get together to help other people out, like the time they got together about the woman who let a colored man borrow her car and told her the best place for her was up north with all the other nigger lovers, and the time they got the veterans with overseas wives out. If you were different from anybody in town, you had to get out. That's why everybody was so much alike. The way they talked, what they did, what they liked, what they hated. If somebody got to hate something and he was the right person, everybody had to hate it too, or people began to hate the ones who didn't hate it. They used to tell us in school to think for yourself, but you couldn't do that in the town. You had to think what your father thought all his life, and that was what everybody thought.

She borrowed my car, often, while I was at work, even though she had her own.

My father, Tom Sheeran, would borrow a big old clumsy car with a running board.

One of the most common root causes of our unhappiness is our desire to give people who will get to see the house we live in, and/or the car or cars we drive, an idea of how much we earn, earned, or were allowed to borrow.

When bicycling, you’re simply less likely to make unplanned purchases, especially large ones. Shopping, especially for bulky items, must be more carefully planned and premeditated—you’ll want to do it all at once, and either bringing your trailer or renting or borrowing a car for an afternoon.

Those of us who’ve bypassed the exits for marriage and children tend to motor through our thirties like unlicensed drivers, unauthorized grown-ups. Some days it’s great—you’re a badass outlaw on the joyride that is life! Other days you’re an overgrown adolescent borrowing your dad’s car and hoping the cops don’t pull you over. Along

And, uh, could I borrow somebody’s car? Mine’s impounded and I can’t reclaim it because I’m kinda legally dead right now.

Though we are addicted to instant gratification, we are seldom gratified because, although we are making everything possible now, we are seldom present to enjoy it now. The moment we attain our desire, our attention jumps out of the present and into planning our next acquisition. This creates a world that’s comfortable with living in debt, on borrowed time, and on somebody else’s energy. We no longer own our houses, cars, and clothes – the bank does. We have robbed ourselves of the satisfaction of organic accomplishment. There’s no more “rite of passage,” only the fast lane. Young children want to be teenagers, teenagers want to be adults, and adults want to accomplish a lifetime’s work before turning thirty. We spend each moment running ahead of ourselves, believing there’s a destination we are supposed to arrive at that’s saturated with endless happiness, acknowledgement, ease, and luxury. We are forever running away from something and toward something – and because everyone is behaving in this manner, we accept it as normal. We mentally leapfrog over the eternal present moment in everything we do, ignoring the flow of life. The Presence Process – including the consequences inherent in completing it – moves at a different pace. This journey isn’t about getting something done “as quickly as possible.” It’s about process, not instant gratification. The consequences we activate by completing this journey are made possible because of its gently unfolding integrative approach. By following the instructions carefully, taking one step at a time, being consistent and committed to completing the task at hand no matter what, we experience a rite of passage that reminds us of what “process” means. Realizing what “process” involves isn’t just a mental realization, but requires an integrated emotional, mental, and physical experience. Awakening to the value of process work is rare in a world of instant gratification. It powerfully impacts the quality of our experience because life in the present is an ongoing organic process. Realizing the power within the rhythm of process work may not necessarily impact our ability to earn a living, but it enhances our ability to open ourselves to the heartbeat of life.

To borrow from Aristotle again, what’s difficult is to apply the right amount of pressure, at the right time, in the right way, for the right period of time, in the right car, going in the right direction.

clumsy fingers, feeling faintly guilty about going through his wife’s purse. It feels private. But this is an emergency. He dumps the contents onto the middle of their neatly made bed. Her wallet is there, her change purse, lipstick, pen, a tissue packet—it’s all there. Not an errand then. Maybe she stepped out to help a friend? An emergency of some kind? Still, she would have taken her purse with her if she was driving the car. And wouldn’t she have called him by now if she could? She could borrow someone else’s phone. It’s not like her to be thoughtless. Tom sits on the edge of the bed, quietly unraveling. His heart is beating too fast. Something is wrong. He thinks that maybe he should call the police. He

Franny was among the first of the girls to get off the train, from a car at the far, northern end of the platform. Lane spotted her immediately, and despite whatever it was he was trying to do with his face, his arm that shot up into the air was the whole truth. Franny saw it, and him, and waved extravagantly back. She was wearing a sheared-raccoon coat, and Lane, walking to- ward her quickly but with a slow face, reasoned to himself, with suppressed excitement, that he was the only one on the platform who really knew Franny’s coat. He remembered that once, in a borrowed car, after kissing Franny for a half hour or so, he had kissed her coat lapel, as though it were a perfectly desirable, organic extension of the person herself.

I walked back to the window to look down at the people who shared this city with me. The people who made every day a series of mediocrities. The unreformed murderers masquerading as businessmen in borrowed suits and debt-laden cars. The voluptuous bimbos floating around in an inexplicable mix of vacuity and despair. The crumbling face of my building looked pretty enough from across the street, but from here I could see how worn it was. I peeled off a satisfying chunk of paint, cement and matter. And I let it fall to the street below.

The smell of peaches and cheese eddied about the car, filling his nose with pleasure. All rarities, for which he had squandered two weeks' salary-borrowed in advance from Mr. Sloat. And, in addition, under the car seat where it could not roll and break, a bottle of Chablis wine knocked back and forth: the greatest rarity of all. He had been keeping it in a safety deposit box at the Bank of America, hanging onto it and not selling it no matter how much they offered, in case at some long, late, last moment a girl appeared. That had not happened, not until now.

That obstinate sense of independence was the biggest challenge I face in building my little house (that, and not always knowing what I was doing). I was stubborn in the way I hated to ask for help. Some people are good at it, asking friends or their husbands to collect ginger ale and crackers at the grocery because they feel nauseous, or standing on the side of the road with a tire iron in one hand, hoping someone will stop to change their flat tire. I'm not like that; I'd rather have a rough stick dragged across my gums than walk to the neighbor's house to borrow sugar or ask for help jump-starting my car.

In movies, people always “borrow” cars by yanking some wires out from under the dash and connecting them. But the real way it works involves a screwdriver and the starter thingy, under the hood. My personal ethics prevent me from giving you more information. That’d be just what I need: a rash of car thefts across America, committed by dedicated readers.

The Y Not had a waitress named Shirley who was the most disagreeable person I have ever met. Whatever you ordered, she would look at you as if you had asked to borrow her car to take her daughter to Tijuana for a filthy weekend. ‘You want what?’ she would say. ‘A pork tenderloin and onion rings,’ you would repeat apologetically. ‘Please, Shirley. If it’s not too much trouble. When you get a minute.’ Shirley would stare at you for up to five minutes, as if memorizing your features for the police report, then scrawl your order on a pad and shout out to the cook in that curious dopey lingo they always used in diners, ‘Two loose stools and a dead dog’s schlong,’ or whatever. In a Hollywood movie Shirley would have been played by Marjorie Main. She would have been gruff and bossy, but you would have seen in an instant that inside her ample bosom there beat a heart of pure gold. If you unexpectedly gave her a birthday present she would blush and say, ‘Aw, ya shouldana oughtana done it, ya big palooka.’ If you gave Shirley a birthday present she would just say, ‘What the fuck's this?' Shirley, alas, didn’t have a heart of gold.

Under Coolidge, the federal debt fell. Under Coolidge, the top income tax rate came down by half, to 25 percent. Under Coolidge, the federal budget was always in surplus. Under Coolidge, unemployment was 5 percent or even 3 percent. Under Coolidge, Americans wired their homes for electricity and bought their first cars or household appliances on credit. Under Coolidge, the economy grew strongly, even as the federal government shrank. Under Coolidge, the rates of patent applications and patents granted increased dramatically. Under Coolidge, there came no federal antilynching law, but lynchings themselves became less frequent and Ku Klux Klan membership dropped by millions. Under Coolidge, a man from a town without a railroad station, Americans moved from the road into the air. Under Coolidge, religious faith found its modern context: the first great White House Christmas tree was lit, an ingenious use for the new technology, electricity. Under Coolidge, the number of local telephone calls went up by a quarter. In Silent Cal’s time, Americans learned to chatter. Under Coolidge, wages rose and interest rates came down so that the poor might borrow more easily. Under Coolidge, the rich came to pay a greater share of the income tax.

Wait." Walter went to the basket, taking what was a gray sleeve, drawing it out fro the middle of the heap. "Oh," He said. He held the shapeless wool sweater to his chest. Joyce had knit for months the year Daniel died, and here was the result, her handiwork, the garment that would fit a giant. It was nothing more than twelve skeins of yarn and thousands of loops, but it had the power to bring back in a flash the green-tiled walls of the hospital, the sound of an ambulance trying to cut through city traffic in the distance, the breathing of the dying boy, his father staring at the ceiling, the full greasy bucket of fried chicken on he bed table. "I'll take this one," Walter said, balling up the sweater as best he could, stuffing it into a shopping bag that was half full of the books he was taking home, that he was borrowing. "Oh, honey," Joyce said. "You don't want that old scrap." "You made it. I remember your making it." Keep it light, he said to himself, that's a boy. "There's a use for it. Don't you think so, Aunt Jeannie? No offense, Mom, but I could invade the Huns with it or strap the sleeves to my car tires in a blizzard, for traction, or protect our nation with it out in space, a shield against nuclear attack." Jeannie tittered in her usual way in spite of herself. "You always did have that sense of humor," she said as she went upstairs. When she was out of range, Joyce went to Walter's bag and retrieved the sweater. She laid it on the card table, the long arms hanging down, and she fingered the stitches. "Will you look at the mass of it," she exclaimed. "I don't even recall making it." ""'Memory -- that strange deceiver,'" Walter quoted.

When you have a problem with an adult—say, for example, you have a friend who's always borrowing things and returning them late or broken or not at all—you probably don't think about how you can punish that person. You think about how to respectfully protect yourself. You don't say, "Now that you've given me back my jacket with a stain on it, and broken the side mirror off my car, I'm going to . . . slap you." That would be assault. Or ". . . lock you in your room for an hour." That would be imprisonment. Or ". . . take away your smart phone." That would be theft. You'd probably say something like, "I don't feel comfortable lending you clothes anymore. I get very upset when they come back damaged. And, I can't lend you my car, which I just got repaired. I need to have it in working condition. In fact, I'd appreciate some help with the repair bill!

As it turned out, Sharpe was right. Cooperation succumbed to market forces, but even more to the war waged on it by the business classes. By 1887 the latter were determined to destroy the Knights, with their incessant boycotts, their strikes (sometimes involving hundreds of thousands), their revolutionary agitation, and their labor parties organized across the country. In the two years after the infamous Haymarket bombing in Chicago and the Great Upheaval of 1886, in which 200,000 trade unionists across the country went on a four-day-long strike for the eight-hour day but in most cases failed—partly because Terence Powderly, the leader of the Knights, who had always disliked strikes, refused to endorse the action and encouraged the Knights not to participate—capitalist repression swept the nation. Joseph Rayback summarizes: The first of the Knights’ ventures to feel the full effect of the post-Haymarket reaction were their cooperative enterprises. In part the very nature of such enterprises worked against them. The successful ventures became joint-stock corporations, the wage-earning shareholders and managers hiring labor like any other industrial unit. In part the cooperatives were destroyed by inefficient managers, squabbles among shareholders, lack of capital, and injudicious borrowing of money at high rates of interest. Just as important was the attitude of competitors. Railroads delayed the building of tracks, refused to furnish cars, or refused to haul them. Manufacturers of machinery and producers of raw materials, pressed by private business, refused to sell their products to the cooperative workshops and paralyzed operations. By 1888 none of the Order’s cooperatives were in existence.170

One of our neighbors was a lifetime welfare recipient, but in between asking my grandmother to borrow her car or offering to trade food stamps for cash at a premium, she’d blather on about the importance of industriousness. ‘So many people abuse the system, it’s impossible for the hardworking people to get the help they need,’ she’d say. This was the construct she’d built in her head: Most of the beneficiaries of the system were extravagant moochers, but she – despite never having worked in her life – was an obvious exception

He was so warm and accommodating, on the one hand—one of the only husbands I knew who didn’t scoldingly turn down the thermostat a dozen times a day. But also, everything he knew about desire he seemed to have learned from old Chevy Chase movies. (“Can I borrow your towel for a sec?” was his classic seduction line when I emerged from the shower. “My car just hit a water buffalo.”) Belle and Jules tease him because he has chronically dry eyes and he uses eyedrops called Fake Tears. Whenever he drips them into his eyeballs, they announce, “Uh-oh! Dad’s having a pretend feeling!

I'll borrow my mother's car because my Jeep will be a bit of a challenge for the transfer. It's no problem." Sam frowned. "You know about transfers?" "My grandmother was in a wheelchair most of her life. She got polio when she was young. We all learned how to help. Nisha will be safe. Trust me." How could he not trust her? She had just seen the most private, cherished, and personal part of his life and had embraced it. Instead of just politely greeting Nisha and walking away, she had befriended his sister and welcomed her into her family. "I'll be fine, bhaiya." Nisha smiled. "I want to stay with Layla." And in that moment, so did he.

Everly sighs and crosses her arms across her chest. "No, I didn't catch anything at the wedding except Finn's house key." "Professor Camden gave you his house key? I though you said he was going to require additional convincing before, and I quote, he accepted what was best for him?" She waves a dismissive hand. "No, I made myself a copy." "Everly, no." I am shaking my head at her in disbelief. "No, you did not. How? Does he know?" "Sophie, it's like you don't even know me. I borrowed his car." She stops at the look on my face. "Fine, I stole his car and ran over to Home Depot and made copies while he was busy with his best man duties.

I’d heard an NPR story about it that winter, this ongoing grassroots movement against the recent civil union law. They’d played a phone interview with a Burlington resident who’d sounded young and energetic and pierced. He said, “This state is the most happily polarized place in the country. Half the people are way liberal, and the other half are so conservative, it’s like, ‘You can be gay if I can have my guns.’ It’s this sort of balance of extremes.” The angry clots of paint on these weathered sheets looked anything but happy, though. And I remembered that the man on the radio had said his own car bore a bumper sticker reading “Take Vermont from Behind.

Whenever Shirley was away, Mark and I would take full advantage. One day, we “borrowed” her BMW X5 and took it for a joyride. We thought we got away with it, till some store clerk remarked to her, “I didn’t know your boys drove! I saw them driving around yesterday.” Shirley came home and was determined to get to the bottom of it. She knew better than to ask us--we’d have some lame excuse. So she went right to Julianne. She knew she could crack her. “Did Derek and Mark take my car?” she asked. Jules didn’t even hesitate. “Yes! And they were smoking, too!” Mark and I stood there, our mouths hanging open. Not only had she told on us, she’d offered more details than were even asked!

It rained on the day of my dad’s funeral. Folk here are born with waterproof skin and a double set of eyelids like a trout. But I’ve seen nowt like it before. Wherever the ground dipped it turned to a puddle, and wherever there was a puddle it turned to a lake and the lakes turned to seas and every road became a river and the fields became swimming baths and the sheep became swimmers and the village of Bewrith became Venice and every window was now a door and every car was now a stepping stone and after three hundred years of standing, Bewrith Bridge was torn out its banks and villagers came to wave it off down the River Pishon like the launch of some royal ship only they drank from bottles of whisky instead of smashing them.

And then, Jane looks August straight on, folds her arms across her chest, and says, “What the fuck, August?” August mentally flips through the plan for tonight—nope, definitely not part of it. “What?” “I can’t do this anymore,” Jane says. She paces toward August, sneakers thumping hard on the floor of the car. She’s pissed off. Brow furrowed, eyes vivid and angry. August scrambles to figure out how she screwed this up so fast. “You—you can’t do what?” “August,” she says, and she’s right in front of her. “Is this a date? Am I on a date right now?” Fuck. August leans against the door, equivocating. “Do you want it to be a date?” “No,” Jane says, “you tell me, because I have been putting every move I know on you for months and I can’t figure you out, and you kept saying you were only kissing me for research, and then you stopped kissing me, but then you kissed me again, and you’re standing there looking like that in fucking thigh highs and bringing me wine and making me feel things I didn’t even know I could remember how to feel, and I’m going out of my goddamn mind—” “Wait.” August holds both hands up. Jane’s breaths are coming high and short, and August suddenly feels close to hysterical. “You like me?” Jane’s hands clench into fists. “Are you kidding me?” “But I asked you on a date!” “When?” “That time I asked you out to drinks!” “That was a date?” “I—but—and you—all those other girls you told me about, you were always—you just went for it, I thought if you wanted me like that, you would have gone for it by now—” “Yeah,” Jane says flatly, “but none of those girls were you.” August stares. “What do you mean?” “Jesus, August, what do you think I mean?” Jane says, voice cracking, arms thrown out at her sides. “None of them were you. Not a single one of them was this girl who dropped out of the fucking future to save me with her ridiculous hair and her pretty hands and her big, sexy brain, okay, is that what you want me to say? Because it’s the truth. Everything else about my life is fucked, so, can you—can you please just tell me, am I on a fucking date right now?” She makes a helpless gesture, and August is breathless at the pure frustration in it, the way it looks so broken in, like Jane’s been living with it for months. And her hands are shaking. She’s nervous. August makes her nervous. It sinks in and rearranges in August’s brain—the borrowed kisses, the times Jane’s bit her lip or slid her hand across August’s waist or asked her to dance, all the ways she’s tried to say it without saying it. They’re both hopeless at saying it, August realizes. So August opens her mouth and says, “It was never just research.” “Of course it fucking wasn’t,” Jane says, and she hauls August in by the sway of her waist and finally, finally kisses her.

When she finally reached it, she bent forward and looked through the peephole. Jay was grinning back at her from outside. Her heart leaped for a completely different reason. She set aside her crutches and quickly unbolted the door to open it. "What took you so long?" Her knee was bent and her ankle pulled up off the ground. She balanced against the doorjamb. "What d'you think, dumbass?" she retorted smartly, keeping her voice down so she wouldn't alert her parents. "You scared the crap out of me, by the way. My parents are already in bed, and I was all alone down here." "Good!" he exclaimed as he reached in and grabbed her around the waist, dragging her up against him and wrapping his arms around her. She giggled while he held her there, enjoying everything about the feel of him against her. "What are you doing here? I thought I wouldn't see you till tomorrow." "I wanted to show you something!" He beamed at her, and his enthusiasm reached out to capture her in its grip. She couldn't help smiling back excitedly. "What is it?" she asked breathlessly. He didn't release her; he just turned, still holding her gently in his arms, so that she could see out into the driveway. The first thing she noticed was the officer in his car, alert now as he kept a watchful eye on the two of them. Violet realized that it was late, already past eleven, and from the look on his face, she thought he must have been hoping for a quiet, uneventful evening out there. And then she saw the car. It was beautiful and sleek, painted a glossy black that, even in the dark, reflected the light like a polished mirror. Violet recognized the Acura insignia on the front of the hood, and even though she could tell it wasn't brand-new, it looked like it had been well taken care of. "Whose is it?" she asked admiringly. It was way better than her crappy little Honda. Jay grinned again, his face glowing with enthusiasm. "It's mine. I got it tonight. That's why I had to go. My mom had the night off, and I wanted to get it before..." He smiled down at her. "I didn't want to borrow your car to take you to the dance." "Really?" she breathed. "How...? I didn't even know you were..." She couldn't seem to find the right words; she was envious and excited for him all at the same time. "I know right?" he answered, as if she'd actually asked coherent questions. "I've been saving for...for forever, really. What do you think?" Violet smiled at him, thinking that he was entirely too perfect for her. "I think it's beautiful," she said with more meaning than he understood. And then she glanced back at the car. "I had no idea that you were getting a car. I love it, Jay," she insisted, wrapping her arms around his neck as he hoisted her up, cradling her like a small child." "I'd offer to take you for a test-drive, but I'm afraid that Supercop over there would probably Taser me with his stun gun. So you'll have to wait until tomorrow," he said, and without waiting for an invitation he carried her inside, dead bolting the door behind him. He settled down on the couch, where she'd been sitting by herself just moments before, without letting her go. There was a movie on the television, but neither of them paid any attention to it as Jay reclined, stretching out and drawing her down into the circle of his arms. They spent the rest of the night like that, cradled together, their bodies fitting each other perfectly, as they kissed and whispered and laughed quietly in the darkness. At some point Violet was aware that she was drifting into sleep, as her thoughts turned dreamlike, becoming disjointed and fuzzy and hard to hold on to. She didn't fight it; she enjoyed the lazy, drifting feeling, along with the warmth created by the cocoon of Jay's body wrapped protectively around her. It was the safest she'd felt in days...maybe weeks... And for the first time since she'd been chased by the man in the woods, her dreams were free from monsters.

Though we are addicted to instant gratification, we are seldom gratified because, although we are making everything possible now, we are seldom present to enjoy it now. The moment we attain our desire, our attention jumps out of the present and into planning our next acquisition. This creates a world that’s comfortable with living in debt, on borrowed time, and on somebody else’s energy. We no longer own our houses, cars, and clothes –the bank does. We have robbed ourselves of the satisfaction of organic accomplishment. There’s no more “rite of passage,” only the fast lane. Young children want to be teenagers, teenagers want to be adults, and adults want to accomplish a lifetime’s work before turning thirty. We spend each moment running ahead of ourselves, believing there’s a destination we are supposed to arrive at that’s saturated with endless happiness, acknowledgement, ease, and luxury. We are forever running away from something and toward something –and because everyone is behaving in this manner, we accept it as normal. We mentally leapfrog over the eternal present moment in everything we do, ignoring the flow of life.

I deal in information," he says to the smarmy, toadying pseudojournalist who "interviews" him. He's sitting in his office in Houston, looking slicker than normal. "All television going out to Consumers throughout the world goes through me. Most of the information transmitted to and from the CIC database passes through my networks. The Metaverse -- -the entire Street -- exists by virtue of a network that I own and control. "But that means, if you'll just follow my reasoning for a bit, that when I have a programmer working under me who is working with that information, he is wielding enormous power. Information is going into his brain. And it's staying there. It travels with him when he goes home at night. It gets all tangled up into his dreams, for Christ's sake. He talks to his wife about it. And, goddamn it, he doesn't have any right to that information. If I was running a car factory, I wouldn't let workers drive the cars home or borrow tools. But that's what I do at five o'clock each day, all over the world, when my hackers go home from work. "When they used to hang rustlers in the old days, the last thing they would do is piss their pants. That was the ultimate sign, you see, that they had lost control over their own bodies, that they were about to die. See, it's the first function of any organization to control its own sphincters. We're not even doing that. So we're working on refining our management techniques so that we can control that information no matter where it is -- on our hard disks or even inside the programmers' heads. Now, I can't say more because I got competition to worry about. But it is my fervent hope that in five or ten years, this kind of thing won't even be an issue.

The Camera Eye (38) sealed signed and delivered all over Tours you can smell lindens in bloom it’s hot my uniform sticks the OD chafes me under the chin only four days ago AWOL crawling under the freight cars at the station of St. Pierre-des-Corps waiting in the buvette for the MP on guard to look away from the door so’s I could slink out with a cigarette (and my heart) in my mouth then in a tiny box of a hotel room changing the date on that old movement order but today my discharge sealed signed and delivered sends off sparks in my pocket like a romancandle I walk past the headquarters of the SOS Hay sojer your tunic’s unbuttoned (f—k you buddy) and down the lindenshaded street to the bathhouse that has a court with flowers in the middle of it the hot water gushes green out of brass swanheads into the whitemetal tub I strip myself naked soap myself all over with the sour pink soap slide into the warm deepgreen tub through the white curtain in the window a finger of afternoon sunlight lengthens on the ceiling towel’s dry and warm smells of steam in the suitcase I’ve got a suit of civvies I borrowed from a fellow I know the buck private in the rear rank of Uncle Sam’s Medical Corps (serial number . . . never could remember the number anyway I dropped it in the Loire) goes down the drain with a gurgle and hiss and having amply tipped and gotten the eye from the fat woman who swept up the towels I step out into the lindensmell of a July afternoon and stroll up to the café where at the little tables outside only officers may set their whipcord behinds and order a drink of cognac unservable to those in uniform while waiting for the train to Paris and sit down firmly in long pants in the iron chair an anonymous civilian

Tomo did not join them. Kami saw that he had taken one of his violent fancies to Ash, the way he had taken to lemonade, Mr. Stearn’s bulldog, and his favorite toy race car that had burned with everything else in their house. He walked happily alongside Ash, holding on to his hand, and clearly wished for nothing more. Ash seemed alarmed to have been so firmly taken possession of by an eight-year-old. He and Tomo fell back a little, until they were walking with Jared and Kami. “I am so sad about my underwear,” Kami announced, and Ash looked as if he regretted all of his life decisions. “Not in front of the little boy!” he said reproachfully. “Anyway, you were saying that you would borrow clothes from Holly and Angela.” “I’m the third tallest in my class,” Tomo informed him, with the air of one out to impress. “And I know all about underwear.” “You heard the man,” said Kami. “Besides which, no. I cannot possibly borrow underclothes from Holly and Angela. Bras especially.” “I know,” said Jared. “Oh, you do, do you?” Kami inquired. “And how do you know, may I ask?” There was a slight flush along the lines of Jared’s cheekbones. “Observation.” It was probably sad that this cheered Kami up, but Jared usually seemed so wary about her body, the physical fact of it, that the simple knowledge that he had been looking did please her. She leaned back infinitesimally closer into the warm line of his arm around her shoulders, the warm line of his body against her side. “Kami, would you maybe stop mentioning your unmentionables,” Ash said, spoiling the moment. “I shall not,” Kami told him. “It’s a serious problem. I am, and I mean this absolutely literally, in need of support.” I’d suspect you of going funny in the head from smoke inhalation, said Ash, but you always talk like this.

Any relationship will have its difficulties, but sometimes those problems are indicators of deep-rooted problems that, if not addressed quickly, will poison your marriage. If any of the following red flags—caution signs—exist in your relationship, we recommend that you talk about the situation as soon as possible with a pastor, counselor or mentor. Part of this list was adapted by permission from Bob Phillips, author of How Can I Be Sure: A Pre-Marriage Inventory.1 You have a general uneasy feeling that something is wrong in your relationship. You find yourself arguing often with your fiancé(e). Your fiancé(e) seems irrationally angry and jealous whenever you interact with someone of the opposite sex. You avoid discussing certain subjects because you’re afraid of your fiancé(e)’s reaction. Your fiancé(e) finds it extremely difficult to express emotions, or is prone to extreme emotions (such as out-of-control anger or exaggerated fear). Or he/she swings back and forth between emotional extremes (such as being very happy one minute, then suddenly exhibiting extreme sadness the next). Your fiancé(e) displays controlling behavior. This means more than a desire to be in charge—it means your fiancé(e) seems to want to control every aspect of your life: your appearance, your lifestyle, your interactions with friends or family, and so on. Your fiancé(e) seems to manipulate you into doing what he or she wants. You are continuing the relationship because of fear—of hurting your fiancé(e), or of what he or she might do if you ended the relationship. Your fiancé(e) does not treat you with respect. He or she constantly criticizes you or talks sarcastically to you, even in public. Your fiancé(e) is unable to hold down a job, doesn’t take personal responsibility for losing a job, or frequently borrows money from you or from friends. Your fiancé(e) often talks about aches and pains, and you suspect some of these are imagined. He or she goes from doctor to doctor until finding someone who will agree that there is some type of illness. Your fiancé(e) is unable to resolve conflict. He or she cannot deal with constructive criticism, or never admits a mistake, or never asks for forgiveness. Your fiancé(e) is overly dependant on parents for finances, decision-making or emotional security. Your fiancé(e) is consistently dishonest and tries to keep you from learning about certain aspects of his or her life. Your fiancé(e) does not appear to recognize right from wrong, and rationalizes questionable behavior. Your fiancé(e) consistently avoids responsibility. Your fiancé(e) exhibits patterns of physical, emotional or sexual abuse toward you or others. Your fiancé(e) displays signs of drug or alcohol abuse: unexplained absences of missed dates, frequent car accidents, the smell of alcohol or strong odor of mouthwash, erratic behavior or emotional swings, physical signs such as red eyes, unkempt look, unexplained nervousness, and so on. Your fiancé(e) has displayed a sudden, dramatic change in lifestyle after you began dating. (He or she may be changing just to win you and will revert back to old habits after marriage.) Your fiancé(e) has trouble controlling anger. He or she uses anger as a weapon or as a means of winning arguments. You have a difficult time trusting your fiancé(e)—to fulfill responsibilities, to be truthful, to help in times of need, to make ethical decisions, and so on. Your fiancé(e) has a history of multiple serious relationships that have failed—a pattern of knowing how to begin a relationship but not knowing how to keep one growing. Look over this list. Do any of these red flags apply to your relationship? If so, we recommend you talk about the situation as soon as possible with a pastor, counselor or mentor.

I open the box, and there are notes. Notes and notes and notes. Peter’s notes. Peter’s notes I threw away. “I found them when I was emptying your trash,” she says. Hastily she adds, “I only read a couple. And then I saved them because I could tell they were important.” I touch one that Peter folded into an airplane. “Kitty…you know Peter and I aren’t getting back together, right?” Kitty grabs the bowl of popcorn and says, “Just read them.” Then she goes into the living room and turns on the TV. I close the hatbox and take it with me upstairs. When I am in my room, I sit on the floor and spread them out around me. A lot of the notes just say things like “Meet you at your locker after school” and Can I borrow your chemistry notes from yesterday?” I find the spiderweb one from Halloween, and it makes me smile. Another one says, “Can you take the bus home today? I want to surprise Kitty and pick her up from school so she can show me and my car off to her friends.” “Thanks for coming to the estate sale with me this weekend. You made the day fun. I owe you one.” “Don’t forget to pack a Korean yogurt for me!” “If you make Josh’s dumb white-chocolate cranberry cookies and not my fruitcake ones, it’s over.” I laugh out loud. And then, the one I read over and over: “You look pretty today. I like you in blue.” I’ve never gotten a love letter before. But reading these notes like this, one after the other, it feels like I have. It’s like…it’s like there’s only ever been Peter. Like everyone else that came before him, they were all to prepare me for this. I think I see the difference now, between loving someone from afar and loving someone up close. When you see them up close, you see the real them, but they also get to see the real you. And Peter does. He sees me, and I see him. Love is scary: it changes; it can go away. That’s part of the risk. I don’t want to be scared anymore. I want to be brave, like Margot. It’s almost a new year, after all.

I turn to see what she’s looking at, and it’s a red convertible Mustang driving down our street, top down--with John McClaren at the wheel. My jaw drops at the sight of him. He is in full uniform: tan dress shirt with tan tie, tan slacks, tan belt and hat. His hair is parted to the side. He looks dashing, like a real soldier. He grins at me and waves. “Whoa,” I breathe. “Whoa is right,” Ms. Rothschild says, googly-eyed beside me. Daddy and his Ken Burns DVD are forgotten; we are all staring at John in this uniform, in this car. It’s like I dreamed him up. He parks the car in front of the house, and all of us rush up to it. “Whose car is this?” Kitty demands. “It’s my dad’s,” John says. “I borrowed it. I had to promise to park really far away from any other car, though, so I hope your shoes are comfortable, Lara Jean--” He breaks off and looks me up and down. “Wow. You look amazing.” He gestures at my cinnamon bun. “I mean, your hair looks so…real.” “It is real!” I touch it gingerly, I’m suddenly feeling self-conscious about my cinnamon-bun head and red lipstick. “I know--I mean, it looks authentic.” “So do you,” I say. “Can I sit in it?” Kitty butts in, her hand on the passenger-side door. “Sure,” John says. He climbs out of the car. “But don’t you want to get in the driver’s seat?” Kitty nods quickly. Ms. Rothschild gets in too, and Daddy takes a picture of them together. Kitty poses with one arm casually draped over the steering wheel. John and I stand off to the side, and I ask him, “Where did you ever get that uniform?” “I ordered it off of eBay.” He frowns. “Am I wearing the hat right? Do you think it’s too small for my head?” “No way. I think it looks exactly the way it’s supposed to look.” I’m touched that he went to the trouble of ordering a uniform for this. I can’t think of many boys who would do that. “Stormy is going to flip out when she sees you.” He studies my face. “What about you? Do you like it?” I flush. “I do. I think you look…super.

University, where she is an adjunct professor of education and serves on the Veterans Committee, among about a thousand other things. That’s heroism. I have taken the kernel of her story and do what I do, which is dramatize, romanticize, exaggerate, and open fire. Hence, Game of Snipers. Now, on to apologies, excuses, and evasions. Let me offer the first to Tel Aviv; Dearborn, Michigan; Greenville, Ohio; Wichita, Kansas; Rock Springs, Wyoming; and Anacostia, D.C. I generally go to places I write about to check the lay of streets, the fall of shadows, the color of police cars, and the taste of local beer. At seventy-three, such ordeals-by-airport are no longer fun, not even the beer part; I only go where there’s beaches. For this book, I worked from maps and Google, and any geographical mistakes emerge out of that practice. Is the cathedral three hundred yards from the courthouse in Wichita? Hmm, seems about right, and that’s good enough for me on this. On the other hand, I finally got Bob’s wife’s name correct. It’s Julie, right? I’ve called her Jen more than once, but I’m pretty sure Jen was Bud Pewtie’s wife in Dirty White Boys. For some reason, this mistake seemed to trigger certain Amazon reviewers into psychotic episodes. Folks, calm down, have a drink, hug someone soft. It’ll be all right. As for the shooting, my account of the difficulties of hitting at over a mile is more or less accurate (snipers have done it at least eight times). I have simplified, because it is so arcane it would put all but the most dedicated in a coma. I have also been quite accurate about the ballistics app FirstShot, because I made it up and can make it do anything I want. The other shot, the three hundred, benefits from the wisdom of Craig Boddington, the great hunter and writer, who looked it over and sent me a detailed email, from which I have borrowed much. Naturally, any errors are mine, not Craig’s. I met Craig when shooting something (on film!) for another boon companion, Michael Bane, and his Outdoor Channel Gun Stories crew. For some reason, he finds it amusing when I start jabbering away and likes to turn the camera on. Don’t ask me why. On the same trip, I also met the great firearms historian and all-around movie guy (he knows more than I do) Garry James, who has become

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

As Frank promised, there was no other public explosion. Still. The multiple times when she came home to find him idle again, just sitting on the sofa staring at the rug, were unnerving. She tried; she really tried. But every bit of housework—however minor—was hers: his clothes scattered on the floor, food-encrusted dishes in the sink, ketchup bottles left open, beard hair in the drain, waterlogged towels bunched on bathroom tiles. Lily could go on and on. And did. Complaints grew into one-sided arguments, since he wouldn’t engage. “Where were you?” “Just out.” “Out where?” “Down the street.” Bar? Barbershop? Pool hall. He certainly wasn’t sitting in the park. “Frank, could you rinse the milk bottles before you put them on the stoop?” “Sorry. I’ll do it now.” “Too late. I’ve done it already. You know, I can’t do everything.” “Nobody can.” “But you can do something, can’t you?” “Lily, please. I’ll do anything you want.” “What I want? This place is ours.” The fog of displeasure surrounding Lily thickened. Her resentment was justified by his clear indifference, along with his combination of need and irresponsibility. Their bed work, once so downright good to a young woman who had known no other, became a duty. On that snowy day when he asked to borrow all that money to take care of his sick sister in Georgia, Lily’s disgust fought with relief and lost. She picked up the dog tags he’d left on the bathroom sink and hid them away in a drawer next to her bankbook. Now the apartment was all hers to clean properly, put things where they belonged, and wake up knowing they’d not been moved or smashed to pieces. The loneliness she felt before Frank walked her home from Wang’s cleaners began to dissolve and in its place a shiver of freedom, of earned solitude, of choosing the wall she wanted to break through, minus the burden of shouldering a tilted man. Unobstructed and undistracted, she could get serious and develop a plan to match her ambition and succeed. That was what her parents had taught her and what she had promised them: To choose, they insisted, and not ever be moved. Let no insult or slight knock her off her ground. Or, as her father was fond of misquoting, “Gather up your loins, daughter. You named Lillian Florence Jones after my mother. A tougher lady never lived. Find your talent and drive it.” The afternoon Frank left, Lily moved to the front window, startled to see heavy snowflakes powdering the street. She decided to shop right away in case the weather became an impediment. Once outside, she spotted a leather change purse on the sidewalk. Opening it she saw it was full of coins—mostly quarters and fifty-cent pieces. Immediately she wondered if anybody was watching her. Did the curtains across the street shift a little? The passengers in the car rolling by—did they see? Lily closed the purse and placed it on the porch post. When she returned with a shopping bag full of emergency food and supplies the purse was still there, though covered in a fluff of snow. Lily didn’t look around. Casually she scooped it up and dropped it into the groceries. Later, spread out on the side of the bed where Frank had slept, the coins, cold and bright, seemed a perfectly fair trade. In Frank Money’s empty space real money glittered. Who could mistake a sign that clear? Not Lillian Florence Jones.

We had borrowed some gang bosses’ cars and thus we looked like an army of pimps.

Like Felicity they methodically checked the house office, safe and family bank account details and financial affairs. Angelina then had Inspector Mick bug the boys’ homes, cars and offices and with the information she acquired came knowledge and contacts. She wrote a programme called listen, it saved all conversations digitally and converted it to text into a computer file in a remote location not traceable to her or anybody at 3WW but it recorded all his illicit dealings and it gave her valuable information. She hacked into their individual MIS computer systems and sent spyware via e-mail called virus protection free download and once opened it went through their c drive, all files on their computers, and copied all files to a ip address of a remote computer of Angelina’s request, in a phantom company named Borrow. All data was heavily encrypted and deleted after access and storage was onto an external hard drive storage box, deleting the electronic footpath. The spyware recorded their strokes on the keyboard and Angelina was able to secure even their banking pins and passwords and all their computer passwords. She had a brilliant computer mind, wasted in librarianship

Somewhere during the twelve-hour flight, one of them realized that although they couldn’t get a business loan, they could probably get a car loan. Bruce proceeded to do just that, borrowing $17,000 for a car and then investing the funds in the business with Emma instead. They paid back the car loan within ten months, and the bank never found out that there was no actual car.

First time since I come to Am'rica, I not with husband or Rekha or in restaurant or store or car or apartment. I's all alone and I loves it. First time I feel everything not borrow. What I mean by that? When I with the husband, I seeing everything through his eyes - moon, sun, sky, tree, parking lot, store, everything. If he feeling sun too hot, I feeling upset. If he cursing the cold, I angry with snow. My brains not thinking my own thoughts.

I like her,” Gracie said, the questions as clear as if she’d spoken them. Mitch gave the woman he’d come to think of as a sister a level-eyed stare, keeping his mouth shut. Gracie tilted her head to the side, sending her mop of blond curls flying. “How are you going to keep her?” “She lives in Chicago. I’m not keeping her.” He was temporarily borrowing her until she decided to hightail it to her real life. She gave a smug smile. “I meant keep her for now.” Mitch scrubbed a hand over his jaw, contemplating. “I’m not sure she has any other options.” “Don’t tell me you’re banking on that?” Gracie looked up to the ceiling as if exasperated by his complete stupidity. “A woman always has options, and she’ll think of plenty if you’re stupid enough to point out that she has to choose you by default.” Of course, Gracie was right. But he’d talked her into staying once; he could do it again. The question was, how? Mitch sat forward, placing his elbows on the table, his brain starting a slow, methodical spin. He took a sip of coffee and looked at Gracie. She practically danced in her chair. He rolled his eyes. “What’s on your mind?” “The way I see it,” Gracie said, not letting grass grow under her feet with any long dramatic silences, “her car’s broken down, and Tommy’s is closed today. That buys you a couple of days.” Immediately finding fault with her logic, Mitch shook his head. “Not necessarily. She has family. She could come to her senses and call them, and be gone by noon.” Just because she’d been adamant last night about not contacting them didn’t mean her justifications would hold true in the light of day. “I don’t think so.” Gracie peered behind him, looking thoughtful. “She told me she has no money.” Mitch pressed the bridge of his nose with his thumb and forefinger. The more he thought about it, the more he saw it as the most likely outcome. He’d only been able to convince her to come back to his house last night because she’d been tired, scared, and drunk. “There’s no way she’ll take any from me. What other option is there?” “One little hitch and you’re giving up?

And then she got older, and . . .” Lydia shook her head. “Having a teenager is like having a really, really shitty roommate. They eat all your food and steal your clothes and take money out of your purse and borrow your car without asking.” She put her hand over her heart. “But they soften you in ways you can’t imagine. It’s so unexpected. They just smooth out your hard lines. They make you into this better version of yourself that you never even knew was there.

Renunciation simply means a state of un-attachment. A big house and a new car should be enjoyed to their fullest so long as we accept them as things that can and will go away. We never really own anything; we hold title, rent, lease, use, and borrow things during our short visit here. Impermanence is just another name for perfection.

The part of national income that is available to families, after taxes have been paid and any transfers received, is personal disposable income, which is the second line from the top. It is a good deal smaller than GDP, but the historical picture of growth and fluctuation is very similar. Much the same is true if we look, not at what people get, but at what they spend. This is consumers’ expenditure, the third line. The difference between personal disposable income and consumers’ expenditure is the amount that people save, and the figure shows that the fraction of their income that Americans save has been falling, especially over the past thirty years. We don’t know exactly why this has happened, and there are several possible explanations: it is easier to borrow than it used to be; it is no longer as necessary as it once was to save up to make the deposit on a house, a car, or a dishwasher; Social Security has perhaps reduced the need to save for retirement; and the average American benefited from increases in the stock market and in house prices—at least until the Great Recession.

I knew I needed a couple of hundred bucks to live off of, so I borrowed $350 from my mom to match Paul’s contribution. John Paul Mitchell Systems was started with only $700. Too proud to tell anyone about my situation, I moved into my car and figured out how to get by on two dollars and fifty cents a day.

There you are.” Arthur rushed down the steps to where I stood frozen. He looked serious, solemn even. His arms reached out as if to embrace me, then dropped to his side. “What are you doing here, Arthur?” My voice held a flatness I hardly recognized. And my heart didn’t skip a beat. “I, uh . . .” He glanced back toward his friend in the car before leaning closer to my ear. “We need to talk.” “Then, talk.” I shifted Janie’s weight to my other hip. He cleared his throat and shuffled his feet. “Listen, Rebekah, I’ve been thinking.” His gaze moved to Janie, to the ground. “I was too hasty—about the children, about everything. We can work things out. I understand that they need you to take care of them for a while longer.” He cocked his head and narrowed his eyes just a bit. “But their daddy will be home soon, right?” Suspicion raised my eyebrows. “What’s happened, Arthur?” He swiped a hand through his pale hair, grown longer since our last meeting. “I’m being officially discharged. I thought maybe you and I, we could . . . all those things we talked about . . .” Words I had longed to hear teetered on the edge of his tongue, but I didn’t harbor tender feelings for Arthur any longer. I read more in the depths of his eyes than he knew, like I believed Clara had in Frank’s. Except she apparently saw good; she saw a future. I, on the other hand, sensed a danger in Arthur I’d overlooked before. “We could what?” I asked. He looked perturbed. “Get married, Rebekah. Isn’t that what you wanted?” My head screamed that everything I wanted had changed, but I shut away my unease as I considered the possibilities. At the very least, I had to see if he meant what he said. I swallowed down my fear. “What happened with your fiancée? You never quite explained that, you know.” He slapped his hat on his head, glanced back at his friend waiting in the car. “Listen, I have to go. Borrowed auto and all. But I’ll be back.” He planted his lips on my cheek and jogged away. His friend started the engine and they tore off down the road without a backward glance.

The car had been returned to the impoundment lot where Luther had “borrowed” it earlier that night. The plate would get them nowhere,

Borrowers were told not to worry about paying the ever-mounting debt, because house prices would keep rising and they could refinance, taking out some of the capital gains to buy a car or pay for a vacation.

So we’re going to Hawaii. Can we borrow your car?” “Sure,” his father said. “When you’re thirty-five.

The chief cause of bankruptcy in America is catastrophic illness; most borrowing is simply a matter of survival (if one does not have a car, one cannot work); and for most, simply being able to go to college now means debt peonage for at least half of one’s subsequent working life.36 Still, it is useful to point out that for real human beings survival is rarely enough. Nor should it be.

Well, I don’t have a car, okay!” Norris began to sputter, hearing his voice pitch higher. “Not everyone can just borrow their dad’s Rolls. That’s discrimination, Madison. Discrimination against pedestrians!

Families’ inability to fully protect themselves translates into difficulties during particularly tough times. The Federal Reserve’s Survey of Household Economics and Decisionmaking (SHED) again gives a national picture. The SHED surveyors asked respondents how they would deal with an unexpected car repair or another urgent need requiring $400 quickly.9 Just about half (47 percent) reported that it wouldn’t be a problem: they could handle the emergency with money on hand. Another 38 percent could come up with the money by borrowing or selling something. But 14 percent of the sample said that there was just no way to come up with $400, period.

I leave my hotel around two. Without thinking, I go in the direction of the Place du Vieux Marché. It is a truly vast square, bordered entirely by cafés, restaurants and luxury shops. It's here that Joan of Arc was burnt more than five hundred years ago. To commemorate the event they've piled up a load of weirdly curved concrete slabs, half stuck in the ground, which turn out on closer inspection to be a church. There are also embryonic lawns, flowerbeds, and some ramps which seem destined for lovers of skateboarding - unless it be for the cars of the disabled, it's hard to tell. But the complexity of the place does not end here: there are also shops in the middle of the square, under a sort of concrete rotunda, as well as an edifice which looks like a bus station. I settle myself on one of the concrete slabs, determined to get to the bottom of things. It seems highly likely that this square is the heart, the central nucleus of the town. Just what game is being played here exactly? I observe right away that people generally go around in bands, or in little groups of between two and six individuals. No one group is exactly the same as another, it appears to me. Obviously they resemble each other, they resemble each other enormously, but this resemblance could not be called being the same. It's as if they'd elected to embody the antagonism which necessarily goes with any kind of individuation by adopting slightly different behavior patterns, ways of moving around, formulas for regrouping. Next I notice that all these people seem satisfied with themselves and the world; it's astonishing, even a little frightening. They quietly saunter around, this one displaying a quizzical smile, that one a moronic look. Some of the youngsters are dressed in leather jackets with slogans borrowed from the more primitive kind of hard rock; you can read phrases on their backs like Kill them all! or Fuck and destroy! ; but all commune in the certainty of passing an agreeable afternoon devoted primarily to consumerism, and thus to contributing to the consolidation of their being. I note, lastly, that I feel different from them, without however being able to define the nature of this difference.

What should we do now?” She’d meant her question as a joke. After all, hadn’t they come here specifically to have sex? So she was surprised at his next words. “How about a game?” He climbed onto the bed and sprawled back into the mess of pillows against the carved wood headboard. “Like what?” A glance around the room revealed nothing. “I didn’t see any games. Do you think the lobby has some to borrow?” “That’s not the kind of game I was talking about.” “Oh?” Now she was curious. Did he mean something sexual? “Let’s play I never.” It took her a second, and then she remembered the game from high school. “The game where we say something we’ve never done and if you have done that something, you take a drink? Do we need beer?” “Yep. There’s a mini–bar in that cabinet.” She settled in across from him, crossing her legs. “Why do you want to play I never? Feeling nostalgic for high school?” “I want to know you better.” “You could just ask.” “Yeah, but this is more fun.” He grinned. “Planning on getting me drunk and having your wicked way with me?” “You read my mind.” He took a sip of beer and she watched his Adam’s apple bob as he swallowed. “Let’s start off slow,” he said. “I’ve never watched television.” They both took a drink. The wine she’d selected was dry and she felt it in her nose as she swallowed. “Okay, my turn. I’ve never spent the night in a hotel with anyone other than my parents.” He drank. “You have? When?” “Twice in high school, once a few months back.” They hadn’t been together a few months ago, but hearing he’d spent the night in a hotel with a woman felt like a kick in her gut. “Loren, Xander, and I went to London to rescue Adam.” “Oh.” She felt instantly happy again. “What about the other times?” “Prom. A whole bunch of us chipped in to get a room. They kicked us out by 3:00 a.m. Money well spent.” She laughed. “And the other?” “I was the equipment manager for our high school basketball team. We made it to a big championship that year. Man, the moms baked every day for weeks so we could have bake sales and earn enough to get three rooms for the twelve of us. Good times,” he said nostalgically. “Okay, my turn again. I’ve never taken the SAT.” She took a long gulp of wine. “How’d you do?” “Good enough to get into college.” “Nice. But you didn’t go.” “Nope. Got married.” She took a therapeutic drink of wine. His mention of his trip to London reminded her of another thing she’d never done. “I’ve never been on a plane,” she said. Unsurprisingly, he drank. Had she thought they’d taken a boat or car to London? “But it was only that one time to London,” he explained. “I’d never been on a plane before.” “Did you like it?” She’d always wondered what it would be like to sit in a tube that high off the ground. And it was petty of her, but she liked that Rowan had a similar amount of experience to her when it came to world travel. She’d have felt inadequate if he’d been all over the world. “I was so worried about Adam, it was hard to concentrate on the flight. I’d like to go try it again. With you if you’re willing.” “I’d love to. My parents were big into road trips, and Jack never took me anywhere. I want to see as much of the world as possible.” “Then let’s do it. We’ll save up and head out every chance we get.” They grinned at each other. “Okay, another one. Prepare to get your drink on,” he said with a devastating grin. “I’ve never had long hair.” She drank, and understood his game at once. “I’ve never been in the boy’s locker room. Rowan drank. “I’ve never worn a bra.” She laughed and nearly snorted wine up her nose. “I’ve never shaved my beard.” He drank. “I’ve never shaved my legs.” She drank.” I’ve never…” She took another sip for courage. The wine was clearly getting to her or she never would’ve said her next thing. “I’ve never had an erection.

It must be appreciated that Nazi Germany in 1939 was not the place to be a nonconformist. There was no freedom of speech, much music (including American jazz) was banned, and undesirable people often just disappeared. Marseille simply didn't care. He drank, which was a serious offense, and fast became one o f the most infamous womanizers in the Luftwaffe. He was in trouble so often that, according to one of his friends, "it was a noteworthy occasion when he was not on restriction."........... ......Restricted to his quarters, he didn't take that to include the town, so he borrowed (stole) his commander's car and went barhopping. Coming back drunk with two French girls certainly did not endear him to his new commander, Johannes Steinhoff. One could forgive his utter lack of military bearing and even his rebelliousness up to a point, but no his seeming disregard for his fellow pilots. But in studying the man, I don't think that was truly his attitude. He was a warrior and a loner. The cold fact was that he really didn't need anyone's help in the air and was better alone.

Bill Clinton's political formula for seizing the presidency was simple. He made money tight in the ghettos and let it flow free on Wall Street. He showered the projects with cops and bean counters and pulled the ops off the beat in the financial services sector. And in one place he created vast new mountain ranges of paperwork, while in another paperwork simply vanished. After Clinton, just to get food stamps to buy potatoes and flour, you suddenly had to hand in a detailed financial history dating back years, submit to wholesale invasions of privacy, and give in to a range of humiliating conditions. Meanwhile banks in the 1990s were increasingly encouraged to lend and speculate without filing out any paperwork at all, and eventually borrowers were freed of the burden of even having to show proof of income when they took out mortgages or car loans.

Losing people I cared so much about and very nearly losing my dream of working for myself was devastating. To make ends meet, I even had to borrow $ 4,000 from my dad until we could sell our second car. I had come to a fork in the road: Should I put on a tie and take a job on Wall Street? That was not the life I wanted. On the other hand, I had a wife and two young children to support. I realized I was facing one of life’s big turning points and my choices would have big implications for me and for my family’s future.

correlation and causation. It’s one thing to be linked to a disease; it’s quite another to cause a disease, which implies a directing, controlling action. If I show you my keys and say that a particular key “controls” my car, you at first might think that makes sense because you know you need that key to turn on the ignition. But does the key actually “control” the car? If it did, you couldn’t leave the key in the car alone because it might just borrow your car for a joy ride when you are not paying attention. In truth, the key is “correlated” with the control of the car; the person who turns the key actually controls the car. Specific genes are correlated with an organism’s behavior and characteristics. But these genes are not activated until something triggers them.

Honda, instead, is driven by a series of grassroots, Eastern-derived principles that emphasize: individual responsibility over corporate mandates; simplicity over complexity; decision making based on observed and verifiable facts, not theories or assumptions; minimalism over waste; a flat organization over an exploding flow chart; autonomous and ad hoc design, development, and manufacturing teams that are nonetheless continuously accountable to one another; perpetual change; unyielding cynicism about what is believed to be the truth; unambiguous goals for employees and suppliers, and the company’s active participation in helping them reach those metrics; and freely borrowing from the past as a bridge to what Honda calls innovative discontinuity in the present.

the world of being is like this gravel: you think you own a car, a house, this blue-zigzagged shirt, but you just borrow these things. Yesterday, you constructed an aqueduct of dreams and stood at Gibraltar, but you possess nothing.

And you’re cute when you get all flustered.” She narrowed her eyes at him and put one hand on her hip. “I have no idea how Louise allowed you to survive childhood.” “It’s because I’m younger and he was always bigger.” Louise came around the side of the truck. “We’re going to borrow your four-wheeler, if you don’t mind.” “Of course.” It wasn’t really hers. Not like she paid for it or anything. But Palmer always referred to it as hers, and so did Louise. And like just now, Louise asked before she hopped on it. “Hi, Tella,” Ames said when she saw Tella’s head poke around the pickup. Even though they were baling hay, Tella still wore the hockey jersey she loved. “Hi, Aunt Ames.” “Okay, Tella. Let’s run down to the house, so we can get back and work a little longer.” “Can I drive?” Louise looked back at Ames with raised brows. “Sure, if your mom says it’s okay.” Tella grinned. “It should be. She let me drive Uncle Palmer’s pickup out here.” “By yourself?” Tella nodded. “Wow. Make sure you wear your seatbelt just in case the wheels fall off.” “Hey.” Palmer put on a mock-hurt expression and wrapped an arm around Ames’s head like he was going to put her in a headlock. “That wasn’t nice. I don’t say mean things like that about your car.” The four-wheeler started, and the motor faded slowly into the distance. Palmer’s arm loosened and dropped to her shoulders. The weight of it there felt good and right. She straightened in his embrace. Maybe they’d never bale hay together again. She looked up into his clear, blue eyes. Eyes that held no guile. Just genuine honesty. And admiration. “You’re beautiful. With or without sunburned cheeks.” His arm tightened. What had simply been his arm around her shoulder became Palmer hugging her. Still maybe in line with friendship, but so close to more. She wanted more. But she wanted his friendship, too. Could she have both? Their kiss hadn’t made anything awkward. She tossed her head, moving closer until they were touching. “That

You are welcome to X. I am willing to Y.” For example, “You are welcome to borrow my car. I am willing to make sure the keys are here for you.” By this you are also saying, “I won’t be able to drive you.” You are saying what you will not do, but you are couching it in terms of what you are willing to do.

Well, you don’t have to worry about a thing like that, big man.” “Yeah, why is that?” We pull up and park along the long road of cars. She slides forward on the seat, ready to climb out the second the locks click open. She looks back to me. “‘Cause I don’t have a bed. I’m only borrowing one.” And then she hops out, heading right for Bass and his emo ass friend.

Shortly after Range came out, Ruth Brennan Morrey—a former college soccer co-captain and pro triathlete, Olympic Trials marathon qualifier, and psychology PhD—tagged me in an apt tweet: “Listening to @DavidEpstein ‘Range’ in the car with 12 year old daughter. ‘Mom, why do we make “What I want to be when I grow up” signs on the first day of school? We should make “Top 5 things I want to learn about this year” signs.’ Smart cookie. :-)” I think I’ll borrow the twelve-year-old’s idea.

Thirdly, German bankers drooled over the large difference between the interest rate they could charge to German customers and the going interest rate in places like Greece. The chasm between the two was a direct repercussion of the trade imbalances. A large trade surplus means that cars and washing machines flow from the surplus to the deficit country, with cash flowing the opposite way. The surplus country becomes awash with “liquidity,” with cash accumulating in proportion to the net exports pouring into its trading partners. As the supply of cash increases within the surplus nation’s banks, in Frankfurt to be precise, it becomes more readily available and therefore cheaper to borrow. In other words, its price drops. And what is the price of money? The interest rate! Thus interest rates in Germany were remaining much lower than in Greece, Spain and their equivalents, where the outflow of cash (as the Greeks and the Spanish purchased more and more Volkswagens) maintained the price of euros in Europe’s south above its equivalent in Germany.3

Person 1 Person 2 I am a hardworking person, married for 25 years, and have two wonderful boys. Please let me explain why I need help. I would use the $2,000 loan to fix our roof. Thank you, God bless you, and I promise to pay you back. While the past year in our new place has been more than great, the roof is now leaking, and I need to borrow $2,000 to cover the cost of the repair. I pay all bills (e.g., car loans, cable, utilities) on time. But Person #2 is more likely to pay the money back. While Person #1 might have seemed more compelling, they’re actually around 8 times more likely to default.

Cassani and her team were thrifty, spending no more than necessary to get things done. The £25 million, Cassani knew, wouldn’t last long. She rented office space from BA’s pensions department, “then we begged and borrowed some bashed equipment and sorted a single telephone line. We were able to get the secondhand desks and chairs from another British Airways subsidiary, Air Miles, for almost nothing.”23 Cost containment was paramount: “Between cramped offices, secondhand furniture, no company cars, no free parking, outsourcing and general penny-pinching, we developed an enduring low-cost culture in Go.”24 Following Southwest’s and Ryanair’s analogs, Boeing 737 aircraft would comprise the entire fleet.

I watch as you climb out of the car, a sleek and splashy silver thing with lots of chrome, and I know without asking that you’ve borrowed it from her. It isn’t your style, which feels like an odd thing to know about you, since I don’t know you at all.

Accept 接受 Jiēshòu Add 增加 Zēngjiā Admire 欣赏 Xīnshǎng Apologize 道歉 Dàoqiàn Ask 问 Wèn Become 成为 Chéngwéi Believe 相信 Xiāngxìn Bring 带 Dài Borrow 借 Jiè Buy 购买 / 买 Gòumǎi/mǎi Change 更改 Gēnggǎi Choose 选择 Xuǎnzé Climb 爬 Pá Complete 完成 Wánchéng Cry 哭 Kū Decide 决定 Juédìng Deny 拒绝 Jùjué Dream 梦想 Mèngxiǎng Drink 喝 Hē Drive (car） 开(车) Kāi (chē) Eat 吃 Chī Enjoy 享受 Xiǎngshòu Examine 检查 Jiǎnchá Explain 说明 Shuōmíng Fall 摔倒 Shuāi dǎo Feel 感觉 Gǎnjué Fly 飞 Fēi Forget 忘记 Wàngjì

But does a flying car solve an inherent human need? Though that still begs the question: Why bother with a flying car at all? There have been important changes to transportation since the Sumerians first built horse-drawn carriages and Leonardo da Vinci borrowed from a bird’s anatomy to sketch his flying machine, but more often than not they have been incremental.

Diamond Hill—what a glorious name for a place. No one outside of Hong Kong would have guessed it was the moniker of a squatter village in Kowloon East. In the fifties and sixties, it was a ghetto with its share of grime and crime, and sleaze oozing from brothels, opium dens, and underground gambling houses. There and then, you found no diamonds but plenty of poor people residing on its muddy slopes. Most refugees from mainland China settled in dumps like this because the rent was dirt cheap. Hong Kong began prospering in the seventies and eighties, and its population exploded, partly due to the continued influx of refugees. Large-scale urbanization and infrastructure development moved at breakneck speed. There was no longer any room for squatter villages or shantytowns. By the late eighties, Diamond Hill was chopped into pieces and demolished bit by bit with the construction of the six-lane Lung Cheung Road in its north, the Tate’s Cairn Tunnel in its northwest, and its namesake subway station in its south. Only its southern tip had survived. More than two hundred families and businesses crammed together in this remnant of Diamond Hill, where the old village’s flavor lingered. Its buildings remained a mishmash of shoddy low-rise brick houses and bungalows, shanties, tin huts, and illegal shelters made of planks and tar paper occupying every nook and cranny. There was not a single thoroughfare wide enough for cars. The only access was by foot using narrow lanes flanked by gutters. The lanes branched out and merged, twisted and turned, and dead-ended at tall fences built to separate the village from the outside world. The village was like a maze. The last of Diamond Hill’s residents were on borrowed time and borrowed land. They had already received eviction notices from the Hong Kong government, and all had made plans for the future. The government promised to compensate longtime residents for vacating the land, but not the new arrivals.

27 Places Where You Won't Find Love 1. The spoon with which you measure salt 2. Plastic plates stacked neatly on a shelf 3. Flowers - marigolds and chrysanthemums and roses - and the shop that sells these 4. Earrings lost in the backseat of a tuktuk while looking for the Malayalam translation of "I love you" in the dark 5. Bookshelves with borrowed books, never read 6. Fifty watches, three of which were for sale 7. Coffee whose flavor was slightly off 8. A red bridge that goes by gold, which has replicas everywhere 9. The replicas themselves 10. The rearview mirror of a car 11. The burnt sienna pavement where you hurt yourself 12. A protein shake whose taste grew on you thanks to someone else. With eggs and coconut and toast 13. An island untouched by civilization 14. Another ravaged by war 15. A declined invitation to brunch 16. Dinner gone cold after a long wait, and thrown away the next day 17. An unacknowledged text message 18. Laughter ringing through a movie hall during a scene that didn't warrant it 19. Retainers stored in a box next to baby oil in the medicine cabinet 20. A gold pendant 21. A white and red cable car 22. A helmet too small for your head and another too large 23. Dreams with their own background score 24. Misplaced affection 25. A smile between strangers, with you standing on the outside looking in 26. Your bed 27. The future

Rayne heard Ghost open the door to the house and when he didn’t immediately appear, went looking for him. She found him standing in the laundry room, staring at what she saw was simply a load of dirty clothes she hadn’t yet put into the washer. Ever since she’d asked to borrow the car while he was at work for the last week or so, Ghost had been picked up by Fletch and dropped off after work by one of the other guys on the team. This was the first time she could remember him coming into the house through the garage, and thus through the small laundry room. “Ghost? What are you doing? Are you all right?” He looked up at her. “You’re doing our laundry.” “Yeah? So? It was dirty. You didn’t want to walk around in nasty, smelly clothes did you?” Rayne had no idea what his deal was. Ghost dropped his duffle back on the floor and came toward her. “You’re doing our laundry.” “Yeah, Ghost. I am,” she repeated. “Ours. Our laundry.” “Did you hit your head today? I’m seriously worried about you.” Ghost picked her up by her waist and set her down on top of the washing machine. “I fucking love coming home and walking into my house and seeing your panties mixed up with my boxers. To come home and know you’re here. Waiting for me. You have no idea. None.” Chills broke out on Rayne’s arms and legs at Ghost’s words, but he didn’t stop. “This is what we fight for. This is what we’re willing to die for.” “For me to wash your dirty clothes?” Rayne had no idea what he was getting at. She wasn’t trying to be snarky, her question was genuine. Ghost leaned his head against hers and closed his eyes. She could feel his hands squeeze her waist and move up under her T-shirt to her lower back, where he stroked. She knew he understood exactly what he was doing. He wasn’t absently caressing her; he was running his hands over her tattoo, over their tattoo.

All the stupid people I know are happy. A fresh set of nails. The release of a new video game. Mascara that doesn’t run. Shiny rims on a car. These are the things I hear people gushing about as I walk out of school, their momentary elation at the simplest things serving as a reminder that I have higher ideals, bigger goals, a reward in my sights that won’t chip, wash off, wear down, or become boring. Sometimes I think I should borrow Dad’s earplugs to get through the day.

The triangle of fraud . . .” “What’s that?” He started, as if I’d woken him. “Oh—incentive, opportunity, and rationalization.” He stuck out three fingers and began counting them off. “The first leg, incentive, is pressure to commit the crime. A person is looking for a way to solve their financial issues due to an inability to pay their bills, drug and/or alcohol addiction, or simply status, wanting to have a bigger house or drive a fancier car.” He counted off another finger. “The second leg is perceived opportunity, where the individual identifies ways to commit fraud with the lowest amount of risk, like lying about the number of hours worked, inflated sales or productivity to garner higher pay, creating false invoices for products never purchased and pocketing the money, or selling proprietary company information to competitors.” He counted off the last finger. “The third leg of the triangle, and this is an important one, is where individuals persuade themselves into believing that they’re doing the right thing. They convince themselves that they’re just borrowing the money or feel entitled to it through perceived low pay, uncompensated hours, lack of respect, or trying to provide for their family.” “Okay, but what pushes two men whom we assume are relatively upright individuals into going so far as to kill someone?” “A lot of money.” I laughed.

Zac!” What the hell? “What are you doing?” He didn’t look at me before yelling Zac’s name again. “I need to borrow his car. If I fly, there will be proof I was there.” Holy shit. “You—” I choked. “You—” I coughed that time, floundering. “What the hell are you planning on doing?” “You kneeing him isn’t doing it for me.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

You have no idea. That was nothing. She jumped out of my moving car once because I wouldn’t let her borrow a sweater . . .

How are you double-parked? You haven’t got a car.’ I blinked at the daylight and the very tall, very lovely man silhouetted by my window. ‘It’s mental, Tess. You just go on the Internet and ask a man if you can borrow one, and then you give him your credit card details and, fuck me, you’ve got a car,’ he replied.

An interest rate is the cost of borrowing or the price paid for the rental of funds (usually expressed as a percentage of the rental of $100 per year). Many types of interest rates are found in the economy—mortgage interest rates, car loan rates, and interest rates on many different types of bonds.

A Tale of Two Parking Requirements The impact of parking requirements becomes clearer when we compare the parking requirements of San Francisco and Los Angeles. San Francisco limits off-street parking, while LA requires it. Take, for example, the different parking requirements for concert halls. For a downtown concert hall, Los Angeles requires, as a minimum, fifty times more parking than San Francisco allows as its maximum. Thus the San Francisco Symphony built its home, Louise Davies Hall, without a parking garage, while Disney Hall, the new home of the Los Angeles Philharmonic, did not open until seven years after its parking garage was built. Disney Hall's six-level, 2,188-space underground garage cost $110 million to build (about $50,000 per space). Financially troubled Los Angeles County, which built the garage, went into debt to finance it, expecting that parking revenues would repay the borrowed money. But the garage was completed in 1996, and Disney Hall—which suffered from a budget less grand than its vision—became knotted in delays and didn't open until late 2003. During the seven years in between, parking revenue fell far short of debt payments (few people park in an underground structure if there is nothing above it) and the county, by that point nearly bankrupt, had to subsidize the garage even as it laid employees off. The money spent on parking shifted Disney Hall's design toward drivers and away from pedestrians. The presence of a six-story subterranean garage means most concert patrons arrive from underneath the hall, rather than from the sidewalk. The hall's designers clearly understood this, and so while the hall has a fairly impressive street entrance, its more magisterial gateway is an "escalator cascade" that flows up from the parking structure and ends in the foyer. This has profound implications for street life. A concertgoer can now drive to Disney Hall, park beneath it, ride up into it, see a show, and then reverse the whole process—and never set foot on a sidewalk in downtown LA. The full experience of an iconic Los Angeles building begins and ends in its parking garage, not in the city itself. Visitors to downtown San Francisco have a different experience. When a concert or theater performance lets out in San Francisco, people stream onto the sidewalks, strolling past the restaurants, bars, bookstores, and flower shops that are open and well-lit. For those who have driven, it is a long walk to the car, which is probably in a public facility unattached to any specific restaurant or shop. The presence of open shops and people on the street encourages other people to be out as well. People want to be on streets with other people on them, and they avoid streets that are empty, because empty streets are eerie and menacing at night. Although the absence of parking requirements does not guarantee a vibrant area, their presence certainly inhibits it. "The more downtown is broken up and interspersed with parking lots and garages," Jane Jacobs argued in 1961, "the duller and deader it becomes ... and there is nothing more repellent than a dead downtown.

Hayder didn’t bother checking the time when he left the condo. He banged on the closest door and waited with arms crossed, foot tapping. It opened a moment later on a tousled-hair Luna, who scowled. “What do you want?” “A lifetime supply of porterhouse steaks in my freezer.” Like duh. What feline wouldn’t? “Smartass.” “Thank you. I knew those IQ tests I took in college were wrong. But enough of my mental greatness, I need a favor.” “I am not lending you my eighties greatest hits CDs again to use for skeet practice,” she grumbled. “That’s not a favor. That’s just making the world a better place. No, I need you to watch Arabella’s place while I talk to the boss about her situation.” Obviously the rumor mill had been busy because Luna didn’t question what he meant. “You really think those wolves would be stupid enough to try something here?” Luna slapped her forehead. “Duh. Of course they are. Must be something in their processed dog food that inhibits their brain processes.” “One, while I agree that pack is mentally defective, you might want to refrain from calling them dogs or bitches or any other nasty names in the near future.” “Why? Aren’t you the one who coined the phrase ‘ass-licking, eau de toilette fleabags’?” Ah yes, one of his brighter inspirations after a few too many shots of tequila. “Yeah. But that was in the past. If I’m going to be mated to a wolf—” “Whoa there, big guy. Back up. Mated? As in”— Luna hummed the wedding march—“ dum-dum-dum-dum.” Hayder fought not to wince. Knowing he’d found the one and admitting it in such final terms were two different things. “Yes, mated. To Arabella.” “The girl who is allergic to you?” Luna needed the wall to hold her up as she laughed. And laughed. Then cried as she laughed. Irritated, Hayder tapped a foot and frowned. It just made her laugh all the harder. “It isn’t that funny.” “Says you.” Luna snorted, wiping a hand across her eyes to swipe the tears. “Oh, wait until the girls hear this.” “Could we hold off on that? It might help if I got Arabella to agree first.” Which, given her past and state of mind, wasn’t a sure thing. “You’re killing me here, Hayder. This is big news. Real big.” “I’ll let you borrow my treadmill.” Damned thing was nothing more than a clothes rack in his room. Indoor running just couldn’t beat the fresh adrenaline of an outdoor sprint. “Really big news,” she emphasized. He sighed. “Fine. You can borrow my car. But don’t you dare leave any fast food wrappers in it like last time.” “Who, me?” The innocent bat of her lashes didn’t fool him one bit.

What do you want?” He spreads my thighs so he can stand between them. “You.” “Me?” I squeak. He grabs my bottom and yanks me closer to him. “Yes. You.” “But I’m just a girl. And there are so many of them crawling after you that you can’t keep all the names straight.” Tears sting my eyes and I blink them back. He looks at me quizzically. “I hurt you,” he says softly. My nose is starting to run, so I sniffle. “No, you didn’t.” “I did. I didn’t mean to. I didn’t mean what I said.” Sniffle. “Then why did you say it?” “Because those assholes were asking questions about you and I didn’t want to tell them anything, so I downplayed it. I didn’t want them all sniffing around you. You’re too important.” “You just met me yesterday,” I remind him. “And you’re all I’ve thought about ever since.” “Really?” “Really,” he says. His lips hover over mine, so close that we’re sharing breaths, but he doesn’t kiss me. My blood thrums in my veins. “I can’t believe you stood me up. I showed up with flowers, wearing a tie, and driving a car I borrowed, just to impress you.” “I don’t need all that stuff. I just need you.” “Who am I?” he asks. His blue eyes look deeply into mine. “You’re everything,” I breathe.

Jo!” I heard a voice call. I straightened just in time to see Alex dash up the front walk. “I thought you had practice,” I said. “Cancelled,” Alex said shortly. He made the front porch and pushed back the hood of the sweatshirt he had on beneath his letterman’s jacket. His breathing was quick, as if he’d run all the way from school. “I tried to catch you guys but you’d already gone.” “Elaine’s at her house,” I said. Alex gave an exasperated laugh and moved to put his hands on my shoulders, a thing that pretty much made me forget all about my dad’s car in the drive. Apparently Alex had decided that the waiting period was over. “I didn’t sprint ten blocks to see Elaine,” he said. “I came to see you. There’s something I want to ask you, Jo.” “No, you can’t borrow my math homework,” I said. “Shut up, you idiot,” Alex said, giving me a shake. “I want you to go with me to the prom.” I opened my mouth, then closed it again. An action which no doubt made me look exactly like a fish out of water. “That wasn’t a question,” I finally said. Alex rolled his eyes. “Do you want to know why I like you?” he asked. “It took me a while, but I figured it out. It’s because you’re so impossible.” A laugh bubbled up and out before I could stop it. “Impossible,” I repeated. “What about annoying?” “That too,” Alex nodded. “You’re impossible and annoying and unpredictable. Will you please go with me to the prom?” “Aren’t you worried about what will happen if I say yes?” I asked. “Uh-uh,” Alex shook his head. “I’m only worried that you’ll say no.” “I’m not going to do that,” I answered steadily. “Thank you, Alex. I’d love to go with you to the prom.” For a moment, he simply stood, his hands on my shoulders. “You’d better hold still,” he warned. “Why’s that?” “Because I’m going to kiss you now.” Words failed me. Which turned out to be a very good thing as, for the next few minutes, I needed my lips for something else anyhow. The kiss ended and Alex eased back. There was an expression on his face I’d never seen before. Sort of startled and blank all at once, as if he’d just discovered something he hadn’t expected but couldn’t quite put a name to. “Well,” he said. “Bet you say that to all the girls,” I replied. “I’m that obvious, huh?” “Actually, no.” “Now who’s being nice?” Alex said. He stuck his hands in his pockets. “So, I guess I’ll see you tomorrow.” “Okay,” I said. He turned, and I watched him sprint off down the walk. It was only then that I realized I was still clutching my sopping wet shoes. Very smooth, Jo. No wonder the guy can’t resist you, I thought.

William climbed into the car, and just before he shut the door, Bonnie asked him if she could borrow his cardboard sign, just for a second. He acquiesced, obviously, because Bonnie Rae grabbed it as William pulled the door closed, and then she held it over the roof of the car, showing Finn, who still stood next to the driver’s side door. Bonnie’s eyes were almost as wide and crazy as George Orrin Dillinger’s. She pointed at the words on the sign fiercely, not speaking. I Believe in Bonnie and Clyde the sign read. Finn read it again, and then again, not sure what to make of it. Then he looked at Bonnie and shrugged. “So?” “So?” she hissed. “It’s a sign!” “Yeah. It is. A cardboard sign.” “Finn! It has our names on it!” “Names which happen to be the same names as a very well-known pair. He could have written ‘I believe in Sonny and Cher’ or ‘Beavis and Butthead’ or ‘peanut butter and jelly.’” Bonnie looked a little crestfallen. He’d taken the magic out of the moment. He was good at that. “And now we have a smelly guy named William with the initials, G.O.D. in our backseat. And I’m not happy about it, Bonnie Rae.” “His initials are G.O.D!” Bonnie’s eyes were seriously going to pop out of her skull. The magic was back. Finn moaned and then started laughing, once again not even sure how any of this could possibly be real. He even pinched himself, just to make sure he’d actually woken up this morning to a pop star in his arms, a Bear on his front steps, and now, God in his backseat