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The problem is that the savings we have made are not enough." Why?" I asked her"It's because people are not eating out enough to fill the extra places we have created. They are feeling the pinch and our Christmas takings are well down on last year and even more than the year before. For months now, we have not been able to pay back anything on the loan we are merely keeping up with the interest. The bank has been pressing us to do more than that," She said."I can see why that would worry all of you," I told her. "Because things may well get worse before they get better with all the cuts the government are making. These are just about to start biting and will make your situation worse." That is obviously what the bank thinks too," she told me. "Yesterday we received a letter saying that unless we started meeting the repayments of the loan they would have to consider foreclosing. This would put us into liquidation. If this happens we would probably end up bankrupt and lose our home and. “Okay, Jeff. If I believe her, why have you two refrained? You know that we’re fine with it — if we weren’t we wouldn’t have let you share a bedroom, let alone a bed. I can’t imagine two adults sleeping together for a year without having sex, let alone teenagers.”“Um, I just turned 14 a couple of weeks ago? I know that you feel we’re ready for that step but we want to be sure before we take it. We do enjoy ourselves, but we’ve decided to wait on sex until we both feel it’s the right time.“Say, would you like to hear a joke?” I added as a complete non sequitur.I chose to take their puzzled expressions as assent.“Seems there were two guys who were cruising bars looking for chicks. They hadn’t had any luck when they spotted a little place that neither of them could remember having visited before so they went in...”About half way through the joke Butch’s eyes popped open — he’d apparently heard it before. A couple of seconds later Trish’s did the same, and then she lowered her head into.
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