"It looks like we are ready to foreclose on this mortgage, they are three months behind on payments, and so I think that we would be amenable to an of...er to buy the mortgage. There is ninety thousand dollars left on the principle and the mortgage has a life of eleven more years."Brad studied the figures on the screen, "How much of a discount would the bank give on the mortgage. I will take over all servicing of the loan. It will be a straight buy-out."The manager left to consult with the loan. They sang Auld Lang Syne with gusto, and saluted the New Year with a champagne toast and a kiss. It would be the start of a fresh new year, celebrating their union and their family.They had walked to the community centre for the party. It was a cold, crisp night with several inches of snow on the ground. The sky was clear and the stars sparkled as they walked slowly toward their home. Bundled up in their coats, arms around each other, they were as content as two lovers could be."I'm almost sad. More

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