He couldn’t hear what the person on the phone – he was pretty sure it was Mr. Everett – was saying, but judging from the look on her face, it wa...n’t good news. ‘Of course it couldn’t be avoided!’ Nicole snapped. She listened, some more, her lips squeezed together in a straight line. ‘You haven’t been home for more a couple of nights at a time in months! You do have a wife, or have you forgotten that?’ She listened again, her face reddening in anger. ‘Why don’t you move to Cleveland, then, if. “This one for speeding, right?”“Yes.”“How did you find out this was a second point?”“The insured told me. He was calling to see if it was going to affect his rates.”I dropped my empty coffee cup in his trash can and got a closer look.“That’s the only way we’ll know. If they tell us themselves,” I said. “The second will always show as a first, as if the first had never happened. Even if the insureds tell us they had a first we won’t charge them for it because whatever isn’t on the record, we. More

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