There was one other thing too, I'd never yet made a loan to a woman. With a male, if he didn't want to pay me, besides the collateral, I also had some...hing of a physical intimidation factor I could use to help with compelling him into honoring his promised repayment of the debt. I hadn't needed to use that yet, but it was certainly there in the back of my mind."What would you leave me as collateral, if I did decide to help you out? I only make loans secured by something of at least equal. I was surprised at the number of people who approached me and congratulated me. There didn't seem to be any jealousy or remarks that anyone thought I was undeserving. It made for a very pleasant evening. I just wished I'd had someone to share it with.Christmas was a nice family affair with my parents and the children. I keep calling them children, but Jess was now thirteen and Matt sixteen. They weren't children anymore, they were growing up faster than I could keep up. Reese had been right. More

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