My husband had already been flagged by an insurance company before my son ever opened that folder.

Deborah explained it to me in a conference room in April, with a printout, in about eleven minutes.

“Mrs.

Voss, one policy is a policy.

Three policies is a pattern.

Two carriers is a pattern with intent behind it, because it means somebody was trying to keep any single underwriter from seeing the total.”

“Is nine point four a lot?”

“For a forty-two-year-old woman who owns an eleven-person design practice?