The Cranial Equity Loan

High school English teacher and would-be novelist STEPHEN MURRAY has had it with his job and wants to quit. His colleague and friend DAVE MATHERS (who has taken out a home equity loan to live his dream of traveling around the world) suggests that STEPHEN try a cranial equity loan so that STEPHEN can quit his job and write a novel. STEPHEN goes to the local bank and meets with MR. CONOVER who approves a loan of fifty thousand dollars.

Six months later, STEPHEN has a serious case of writer's b...