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                               (NC, M/F, F/F, BD)

      The following story contains adult material.  If below the age of 18, go
outside, get some fresh air and do something healthy (g).

      If you ARE 18, then you should know the following story is about a young
woman who is forced into non-consensual sex, public humiliation, and b&d, in
both m/f and f/f situations.  Both the characters and occurences in this series
are completely fictitious.

                                  The Mortgage
                                  by Marlissa

                                    PART TWO

      Bob cleared his throat politely. "So, tell me Amy, what did you want to
see me about?"

      Amy smiled bravely and dove in head first. "Well, Bob it is about our
mortgage --"

      His immediate reaction caught her off guard. "You're late on your very
first mortgage payment. Several weeks overdue, as a matter of fact." His tone
was neutral, bordering on accusatory -- the banker coming out.

      Amy looked down, playing with a button on her white blouse. Without
looking at the older man, she spoke into her lap. "Well, you see, Wendell, uh,
he lost his job right after we were approved and he hasn't been able to find
work since then -- but he's looking real hard. I was hoping you could help us
Bob, the way you helped us to get the loan. Maybe bend a few rules like you did
when we applied. Just maybe give us an extension Bob -- Wendell just knows he's
going to get a job soon. He's down at Unemployment now, that's why he couldn't
come with me."

      The banker didn't blink, didn't respond at all. She thought he'd be angry
-- he had worked with them so closely to help them organize their finances. But
no -- he merely looked at her with those emotionless blue eyes. He opened the
file and read silently.

      "Empire Building, that is where Wendell was working -- right?"

      She nodded.

      He shook his head. "Too bad. He was making good money -- almost thirty
thousand a year, that right?"

      Amy smiled proudly. Wendell was doing so well for his age. "Yes, Bob, and
I just know he'll get another job like it very soon. And he thinks he might be
called back any day now, when they get reorganized. Right now he's ready to
take anything he can get and we're sure he'll get something." She nodded as she
said it, trying to show him how much he should believe her.

      A thin smile, then a shake of his steel gray haired head. "Possibly. Now,
you say Wendell may get called back. He won't. Empire is bankrupt. They owe the
bank hundreds of thousands of dollars. It has been coming for a long, long
time. They are so deep in the red that it's clear that that they'll never open
again. Believe me, when I heard about this from the Commercial Loan people I
couldn't have been more surprised."

      Amy was stunned. When they had submitted their mortgage application, Mr.
Baines had been the one that said Empire was a "solid company" that would be
around for many years to come. He even said they might be expanding soon, with
promotions and raises possible. That had only been three months ago!

      "And," he continued passionlessly, "there's no other construction firm in
the whole county that will be hiring. In fact, with the economy slowing down
every day more and more, there will be more, not less, construction workers on
the street. older, more experienced men with connections. So I don't think
Wendell will have any luck getting a construction job any time soon. I doubt
construction will come back into the area for at least five years." A small,
curious smile spread on his lips. "What other prospects does Wendell have? What
is his degree in anyway" He looked at her expectantly, picking up a gold pen
ready to write down her answer. There was more in the look too, something she
remembered from long ago.

      When she had last stayed over for a slumber party at Kathryn's, Amy had
been fifteen. After the other girls had gone to sleep, Amy had woken up to get
a drink of water. It had been late and she was sure she was alone as she turned
the tap in the dark kitchen. A sound from the kitchen table frightened her and
she had turned to see a bloodshot Mr. Baines having a drink in the dark by
himself. She was blooming then into full womanhood, her breasts swelling under
her nightie tee shirt, her panties pulling tighter around her widening hips. He
had licked his lips and said that she was a pretty girl while examining her in
her sleep clothes. She had thanked him and tiptoed out quickly, embarrassed at
the way he had been looking at her in her underthings. Amy could swear he had
the same look in his eyes now.

      "Degree? Wendell, uh, didn't go to college, Bob."

      Baines looked up, a puzzled look on his face. "I thought your husband was
a big football star or something in high school. I had heard he was being
recruited by some big school sin the East."

      Amy sighed. "He was till the accident. Wendell was going to Boston
College on a full scholarship. Then, after the accident, he couldn't play any
more. So he went to work right away."

      Baines exhaled and looked at Amy with kinder eyes. "That's right -- I
forgot. A hit and run wasn't it? Thank God he wasn't too seriously hurt. But it
was a tragedy about his legs. You can't be a quarterback without being able to
run a quick four-forty. Awful. And they never got the guy, did they?"

      Amy shook her head and Baines returned to his earlier question, gently
prodding. "O.k., no college degree makes it tougher, but I'm sure you two have
thought about your options. What else does Wendell have in mind for work?"

      "Uh, well, I don't know."

      Mr. Baines chuckled. "Not a good answer Amy. Not a good answer at all.
How will you meet your adult obligations, my dear? What kind of assets do you
have?"

      Amy shook her head. "I don't know! Nothing -- just our principal."

      "And that's not much to speak of at this point since you just bought the
house." He shook his head wearily, glancing back at the file. "Well, I guess
your in-laws will have to meet the obligation then. The bank will have to
require them to pay your mortgage."

      Her hands flew to her face, panicked at the prospect. She saw her
in-laws, kind yes, but poor and old. If they had to pay --

      "Yes, they'd lose their home to make up YOUR failure," Baines completed
her thought. "Too bad. They are older people and to lose your home at that
age... But at least the bank could sell their home to meet YOUR mortgage." He
sighed. "What a waste."

      Amy's head was swimming. Her world was falling apart. Bankrupt, all their
money lost, nothing left, no work...

      "Maybe there's a solution," Baines offered hopefully.

      Amy looked up, a wide grateful smile on her face for her savior. "Yes,
Mr. Baines?"

      He gave her that look again. She forced her smile to remain.

      "You might need to find work."

      Amy nodded. "I'm a hard worker, Mr. Baines! And I'll take anything!"

      That made him smile. "As you know, I feel somewhat responsible for you
two kids. Perhaps there might be something at the bank. Perhaps as a
secretary."

      She nodded. Amy would get a job, no problem. It would be work but if it
would help them keep the house...

      "Perhaps as my secretary, Amy. Would you be willing to take that position
if it was offered to you? On a temporary basis of course-- say a few weeks or
so. To be frank, I really need a properly trained secretary. However, I'm sure
you'd be up to answering the phone and handling my filing, at least for a
little while. And when Wendell gets a new job, you could leave." His slate eyes
softened, the eyes of an older friend trying to help. "And you'd be doing me a
favor -- as I said I'm without a secretary right now and it would really help
us both out."

      Relief spread through her like cool water. Crisis averted! Amy gathered
her strength. It would be all right, after all. Bob had come through for them.
She was happy she had come here today.

      "Yes, yes I would Bob. I can probably help you more than you think," she
played it calmly, nodding slowly. "I can type and take dictation and file. I
took secretarial classes in high school and I think I could do a very good job
for you, at least for a couple of weeks."

      Baines nodded, pleased to have solved the problem...but then a slight
frown creased his face.

      "What is it?" Amy asked, worried again.

      The banker tapped the mortgage with his gold pen. "Even working for me as
a temp won't solve your problem. This," he shuffled the mortgage file and
pulled out a red piece of paper, "is an internal notice to begin the
foreclosure process here at the bank. The mortgage has got to be paid right
away. Can you pay this today?"

      Amy shook her head sadly. "We don't have a cent, Bob! It took everything
we had to buy the house!"

      "And I overlooked the normal savings requirement too," Baines said in
reminded frustration. "Maybe, well..." He closed his eyes in thought and
pondered. Then he looked up. "Look Amy, I feel responsible and I want this to
work out for you kids. What if I agree to give you an advance on your temp pay
and cover the difference between your salary and the mortgage till Wendell gets
a job?"

      The grateful smile on Amy's face said it all. "Would you do that for us
Bob?"

      The older man nodded. "It will mean that I become a secondary creditor
after the bank. You'll have to sign a loan agreement with me, promising to pay
me back when Wendell gets his next job, but yes, Amy -- I think I'd be happy to
do that for you. Could you bring it home and get Wendell to sign it? It also
needs to be notarized."

      Amy felt like a huge weight had been lifted off of her back. "We'll sign
anything you like, Bob. And I can't tell you how grateful we are."

      Baines promised to have the papers drawn up and dropped off at the house.
He stood up and walked her to the door. "I'll see you tomorrow, Amy." His slate
eyes were so warm, so reassuring. "It's nice to have you aboard!"

                     In Part Three, Amy learns the ropes...

