" This is tricky, Tom. We do not normally lend money for purely cosmetic or social reasons, and we like to be certain that our clients have the abilit... to pay back the loan. Your file says that your occupation is "writer", but that is not very explanatory in itself. There is not even a stated annual income from your occupation. Perhaps you can enlighten us?"Tom's visage brightened. This was an area he was happy to talk about."I write books for a living, but that does not produce a standard. When you lived with someone long enough, some things were automatic. Her hand clenched around the pole and she heard a male voice, accompanied by the returning music. This time it was louder than before, as though trying to convince her to fall back asleep. At first she thought it was a good idea, the sleep so calming it was sickening. It was a mellow light in the black. . . Then she heard her sister giggle. He giggled as well. His shrill sound pierced her eardrums, deadening the eerie tune. More

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