Dear John,
Yes, I'm alive. (sadly!) I couldn't write to you yesterday because Embarqmail was down all over. And I had things I wanted to tell you! You'll just get them a day late - two days at once. Fasten your seatbelt.
We had a bit of an adventure here yesterday morning. I was on the phone and heard Jethro whimpering in the living room. I thought one of the neighborhood cats was outside - he always wants to go out and play with them. I came to see what was up and got quite a surprise. He'd knocked one of the screens part-way out of the window playing with the cat, who was somewhere outside. I put the dog in the back yard and went flying out the front door in my baby-doll pajamas, and there was the cat sunning himself on the front porch. He came right to me, and purred when I picked him up. Then he realized I was taking him back inside and he did his best imitation of a tiger. I have lovely claw marks on my left arm, chest, and all the way down to my tummy. But the cat is safe. I fixed the screen - I must not have put the top in quite right when I washed windows. And now, when I leave the house, I don't leave the windows open wide enough for the dog to get his full weight against a screen. Bless Hunter! The little guy was outside for over half an hour and went a whole two feet away. So all is well.
I finally got hold of somebody at Panera Benefits that figured out what the problem has been. I paid everything on time, and the amount on the coupons, so I should have been paid up a month ahead. But both this year and last year, the coupons had the wrong amount on them. So they were pulling out of the month-ahead money every month, until I actually got behind by $24-something. So I did owe them $860-something this month, which has knocked the bottom out of everything. But I got into savings and paid it, and I'm all square now. And now I actually know what I owe every month. It concerns me that I've gotten two years of coupons and both years they've been wrong - nobody can explain that. Next January I'll call them and be sure. Unless I qualify for something cheaper under the new health care program, which I probably will. I'm making $12,000 a year and paying $421 a month for health insurance. And I'm glad to have it. But I do expect to qualify for something I can come closer to affording. And maybe then Anthem will quit cancelling my insurance every two months when the date-of-death-error zombie rises again.

Love you toughly and stubbornly,
Joan.
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