And nightmares are what Annie had, some while she was asleep, some while she sat at her desk at the library, some on the subway. The worry would rise, like a damp rotten smell, and she would try to quicken her step, to hurry past it. She would talk herself back to the letter she was answering regarding the library's acquisition of a collection of correspondence, or she would amuse herself with a quote from the man she had chosen as her new role model, Mr. Micawber, and the odor of insolvency would temporarily recede. But later, invariably, the ugly stench would creep back into her consciousness: Nick still in college, Charlie in medical school, all those loans — she tried to help them as much as she could — the maintenance on the apartment up 10 percent, her Con Ed bill through the roof, her phone bills — how could there be so many phone bills for one person — and then the cable bill and the Internet, and every time she went out to dinner, could it really cost fifty dollars for pasta and a glass of wine, and as for retirement, did people really save? How? She had always assumed she would inherit a little something that would help her along in her old age, but no more. Old age was now, too, caught up in the stink of financial worry. She was a successful woman in her early fifties and cutting corners the way she had as a graduate student. She had mortgaged her apartment up to its nostrils and had been living off that money and the home-equity line of credit she was able to get. She had always assumed she could sell her apartment as a last resort. That would be difficult in this market, but even if she did manage to sell it, what then? Where would she go? A person had to live someplace. The way her friends filled out Sudoku grids, in an obsessive attempt to make the numbers come out right and thereby exercise and protect their already failing memories, Annie drew her own grids, adding up mortgage and loan payments and maintenance checks, comparing the total to what she would have to pay in rent, trying to take into account the tax deductions she received because of her mortgage.