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The check is for over ninety grand—which, in a way, is chump change, for she has the benefits of her parents’ life insurance policies sitting safely in a savings account, the total edging the seven-digit mark.

A stream of tears trails down Karen’s cheeks.  “You keep that,” she says.  “We would be honored to have you as our guest, for as long as you like.  We have plenty of room.”

“But I don’t want to be a burden.”