Dear John,

It was an odd day. We were having our typical slow Wednesday when the weather forecast was changed; at around 3:00 they started calling for a couple of inches of lake-effect snow tonight and tomorrow. You'd think the date of the apocalypse had been announced. The entire town decided it had to get to the bank before the snow started. I had 98 transactions today, and 50 of them were in one hour and a quarter. There were lines in the lobby and in the parking lot. It felt a bit like there we were having a run on the bank. .

Oh, I don't think I've told you this! You know that your death wrecked my credit rating. I told you about the mistakes that were on my credit report and the hassle of getting it all straightened out. A couple of weeks ago I checked Experien, and I've gotten my credit rating higher than it's ever been. I'm so proud of myself. It's still lower on Transunion, but that's because the bank doesn't report mortgages to them so they don't think I have one. Isn't it funny that your credit rating goes up when your home isn't paid for? I haven't figured that one out yet. I've increased my credit and identity protection since Anthem was hacked. I haven't been with them for a long time, but you never know.
So all is well with your little family tonight - we have enough spoons, we're ready for snow, and we have a healthy FICO score. What more could we want? Well, obviously, you. We're prefer you here in person, but we will accept Skype. Or the phone. Or texting. Or email. For you, I'd even get on twitter. How's that for the ultimate compliment?
The animals are slowly drifting onto the bed and falling asleep, so I'd better turn out the light and join them. Know that we miss you, but we are alright.
Love you more than life,
Joan.
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