“The accounts you previously provided seem a bit short on funds. By signing the provided agreements, you are granting access to each of the listed a...counts to satisfy the debts with the available funds. The second page is a loan agreement using one-half of the tax appraised value for the listed assets as collateral. Your current lack of available funds to pay your recurring debt temporarily reduced your credit-worthiness scores to zero, which is why the lender agreed to loan only against half. Keepinghis head down but of course Dad didn't miss a thing."Who did that to you?" Some runt got a lucky punch." Runt? In your grade?" No Sir..." He shoveled his face full of food to avoid questions, besteat while he still could."Don't eat while I'm talking to you boy." He put down his utensils andlooked up as Dad chewed, it was so quiet he could hear Dad swallow."What grade?" This was bad, even though Dad never raised his voice hiseyes showed his anger."Grade Four... Sir." The last thing. More

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