Moments

He saw the look on his dad's face. He would never forget it. Dad had asked his wayward nineteen-year-old son, ''Where are you living now, Pat?"

"Here!" he exclaimed. His siblings cheered. Mom smiled. Dad wondered what was next.

Later that night, his dad started reminiscing about the last few years in Billings, Montana. Nine years ago, he was in a financial hole that seemed impossible to ever climb out of. He had skipped paying the last ten house payments. He hadn't gotten late payment stateme...