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Not a whole lot of sex in this one, but I hope that it is worth the reading.

My sister and I grew up in the San Francisco Bay Area. My dad was a moderately successful attorney, and my mother worked in commercial real estate. We weren't wealthy, but we never lacked for anything. It was in December of my sophomore year of college that I got the call from my older sister, Susan, who was in her final year of law school. Our folks had been going somewhere, we never did figure out where they were going, when their car was taken out by a semi, killing both of them.

Christmas that year was bleak. We spent most of our Christmas break dealing with the funeral, and then trying to get the estate settled. Fortunately, dad's partners did most of the work, talking to insurance companies, and evaluating the wills and insurance policies. Both mom and dad had had good life insurance policies, and they had also been smart enough to take out a policy that paid off the mortgage so my sister and I owned the house free and clear. By the time everything was all said and done we had more than enough to finish school, and would still have a substantial sum left over to either save, or start us in our own business.

I hadn't been to focused on school up to this point, but something had changed in me, and I dove back into my school work with a vengeance, working as hard as I could to get the best grades I could. I forgot ...

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