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CHAPTER 16

          During the following weeks, Phoebe told Stephen that she had finally made the decision to fix an appointment with the bank.

“Why, Phoebe?” he asked.

          She smiled, thinking that her elderly employer was becoming very absent-minded.

“So that I can apply for a loan to buy this bookstore back,” she reminded him gently.

          Stephen looked dismayed.

“Maybe you shouldn’t do that just yet, Phoebe,” he urged.

          Confused by that reaction, she looked at him thoroughly. She didn’t understand his behavior. She told him over and over again that when he would decide to sell the business, she is going to buy it from him. Phoebe thought it was already a done deal.

“I suppose I could cancel the

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