Okay, everybody, the calls are coming in.  Now insurance companies are 
calling me re the fire damage.  Supposedly the neighboring apartment 
sustained over $6,000 in smoke damages which they want me to pay or my 
renter's insurance.  My renter's insurance will not cover this cost, I'm 
sure, because I got it on the new apartment and neglected to get it on the 
old one.  What a difficult lesson!  I'm not sure now how I will meet this 
obligation, but I guess I'll be working lots and lots of over time.  Hmmm.

Please pray for wise resolution of this situation.

April