#Insurance policy definition

[scriptermubarak]

What is an insurance policy? Explanation of items to be included, necessary situations, and precautions for handling

What is an insurance policy? Explanation of items to be included, necessary situations, and precautions for handling What is an insurance policy? An insurance policy is a legally binding contract between an individual (or entity) and an insurance company. It outlines the terms and conditions of the insurance coverage provided by the company in exchange for the payment of premiums. Key elements…

[keshimasu]

Yang got me thinking about Sho never having had a backup plan despite the doubt of him doing much with his life which is why he panicked so much when he first got diagnosed at 17 and thought his career was over. How he was too stubborn and proud in a way to tell his friends about it, losing touch with them after graduating because he had nowhere to live and then was deep undercover. He’s terrified of being vulnerable or being perceived as weak because it would be utilized against him in a heartbeat.

[asjinsurance]

The Ultimate Insurance Guide to Understanding Insurance Jargons: Demystifying Policy Terms

Insurance Jargons can sometimes feel like navigating a maze of unfamiliar terms and complex terms and words. From premiums to deductibles, policyholders are often faced with a barrage of terminology that can be confusing and overwhelming. However, understanding these terms is essential for making informed decisions about your insurance coverage.  In this comprehensive guide, we’ll break down the…

[hazeltongzhi]

Sorry I'm not sure if you got my ask before but I was wondering if you lived in China before and if so, why did you move out?

Also with moving back to China, how is their medical care? I'm assuming it's better than the United States but all the sources I see are biased against China

Also how does transition related care work over there? Is it possible? Or would I have to stop my transition if I went there?

Sorry again for the weird asks, I just couldn't find this information on my own

Yes, I think I do remember seeing your ask earlier. Tumblr has been very bad to me only showing like a handful of asks so I couldn't get to it.

I lived in China (Shanghai specifically) for a few years before my mom pulled me out to go to school in the USA.

Currently, the PRC has a nation wide universal health insurance policy. This is different from universal healthcare in that it's insurance, rather than the government footing the entire bill. But, it's certainly orders of magnitude better than the meager (next to none) coverage I have in the states. A general doctor's visit there is around 10 RMB (equivalent to a couple USD).

I'm not as familiar with transition care in China, though it'll likely go through a similar process in the states where a doctor prescribes medication which you pick up at a pharmacy. I know some transfems in China so I'll ask them sometime and I'll append any new info with a reblog here. Transition is definitely possible there, albeit with different kinds of hurdles we have to jump through compared to here. The most obvious being the closure/restriction of online pharmacies to enforce a pharmaceuticals purity clearance.

[cryobabyy]

Cooper Adams x Fem!Reader

PART(3/5)

He was peculiarly clean— too clean to be at a hardware store past midnight. No dirt on his jeans, or janitor's name patch, or construction vest. He smelt like most men— Irish spring, sandalwood, musk, bergamot, etc. In daylight hours, you wouldn't have thought anything about his tight and fawning smile, the gallon of industrial cleaning solution, and the seven yards of vinyl tarp he slides across the counter at the end of the month. He always smiles when he pays. You smile back despite your intuition advising against it. Something about the interaction feels cold. God, you sound like your fucking father.

OR

You work the graveyard shift at a hardware store with extended hours to put you through pre-med. You meet a DILF who is definitely not The Butcher.

AN: Sorry for the wait on this chapter. I had a final, saw Trap again (I almost died), and then I kind of re-wrote like half of it lol, but here we are! Enjoy!

The last time you talked about your Father to anyone was when you discussed what his headstone would say with the Funeral home office lady. You hadn’t uttered a word about him since. Not to a therapist, not to a friend, not even your roommate. You used his life insurance policy to hire an estate clean-up company to empty the house, and you watched from the curb as men in hazmat suits brought out pile after pile of newspaper clippings, empty medication bottles, and old electronics. After that, the house was unrecognizable- an empty shell, save for the marks on the door of your childhood bedroom. Thin pencil lines climb toward the frame with your name, date, and height nestled next to each other. You threw the deed to the house and your keys in your car’s glove compartment, but you haven’t been inside since. If it was out of sight, it was out of mind. If you didn’t talk about it, it couldn’t hurt you.

A floodgate was opened that night the truth came flying out of your mouth. You were okay with never speaking about it again, but now you couldn’t stop. It was exhilarating to release even the tiniest fraction of what you had bottled up for two years, and Cooper's validation was intoxicating. It was so different than the suffocating sympathy and condolences from Dad’s neighbors, who watched from their porches as you struggled to talk him out of confronting the mailman about wiretapping his mailbox. You felt the stares in line at the grocery store. You heard the passing whispers about the suicide on Bleaker Ave. This town wouldn’t let you forget that you were tethered to tragedy.

Cooper was the first person to say something other than ‘Poor thing. What a shame’. A random man you barely knew was the first person to afford you the luxury of dignity. You weren’t aware you could be anything other than a victim until Cooper Adams started treating you like a normal person. Against your better judgment, you began to look forward to the smiles, corny jokes, and his tendency to overshare. 

You knew it was weird and wrong to befriend a married man like this. You couldn’t help but think about his wife, how she would feel if she knew her husband was using his lunch breaks to bring you food and ask about your day. The thought of his family used to be a comforting reminder that he wasn’t dangerous, but now it makes your stomach hurt. You tell yourself you aren’t doing anything wrong. It was just an unlikely friendship- nothing more. 

You get butterflies when he comes waltzing in with a muffin and a coffee.

Goddamit.

“Oat milk, three sugars, three creams. And somebody dropped these off for the guys today, so I snagged you one. It’s blueberry. Did you eat dinner today?” He sets down a steaming cup of coffee and a neatly saran-wrapped muffin. You meet his hazel eyes, and he stares back. For a moment, you’re not sure what to say. Cooper furrows his brow, a smirk curling his lips.

“What? Don’t tell me you don’t like blueberry.”

“You’re weird.” You scoff, unwrapping the confection and taking a bite.

“So you do like blueberry.” He mumbles pensively,  crossing his arms and leaning against the counter.

“You know I’m at work, right? Like I’m supposed to be working?” You say through a mouthful of muffin. Cooper glances around the empty store before landing on you.

“Looks like I’m the only paying customer here, kid.” A sly smile spreads across his face, and your heart stutters like the engine of your shitty car. 

And just like that, he lulls you into another conversation. Cooper speaks in a way that makes you forget you’re telling him details about your life you’ve never told anyone before. He knows that you have a roommate you barely speak to and that you moved out when you were twenty. He's aware of how you took care of your Father during those final years and how he secretly stopped taking his medication. He knows about the guilt that consumed you for never noticing, for being too busy trying to build a life outside his chaos. You even told him you sometimes visit the house to check the mail. You'd sit on the curb across the street just to stare and remember when it was just a house and not a landmark for your grief.

“Why don’t you just sell it and use the money to buy your own place? The property value has probably skyrocketed since.” At this point in the conversation, Cooper has a stool pulled up to the counter, brows knitted together in concentration. He’s always asking you questions nobody’s ever cared to ask.

“I don’t know. I guess… If I get rid of it, it feels like I’m getting rid of him. He accused me of that all the time. He was convinced I turned against him.” You shrug, swirling around the last bit of coffee in your cup.

“I get it. My independence was like an insult to my mother. She hated my wife—said that she was taking me away from her. I’ll never forget the look on her face when I told her we were getting married.” He looks off into the distance as if he’s watching the memory unfold in front of him.

You see an opportunity, so you take it.

“How did you two meet?” You say slowly, cautiously testing the waters.

“Me and Rachel? I did a fire safety demo for the kids at the school where she was working. God, that was—what? Fifteen years ago? Things were so different then.” He trails off. There was something different in the timber of his voice—regret? You hold in a breath as he continues.

“A lot changes when you have kids. Years can pass, and you won’t notice how much you’ve grown apart. And then pretty soon, the kids are the only thing you have in common.” He stares for a moment longer before suddenly snapping out of his daze. 

“Sorry, am I oversharing?” He drags a big hand down his tired face, and you roll your eyes.

“I mean, I’m the one with the dead dad, so I think I have you one-upped on that.”

“You got me there.” He chuckles. You’re glad he’s not bothered by your inherent morbidity. It makes you feel normal.

There’s a thick pause. You glance upward to find Cooper staring at you, a strange expression on his face. No one’s ever looked at you like that before, and for a split second, you feel exposed. Like it was his first time really seeing you.

“What?”

“I just hope you know you’ll be okay.” 

You’re gearing up to brush it off with something witty, but Cooper beats you to it.

“No, seriously. You made it to the other side of all this— you made it out. And you’re still good. You didn’t turn it into something worse. You’re incredible—and I mean that. It’s inspiring.”

There’s no charming smile or trace of playfulness in his voice. You feel frozen, unsure of what to say or how to proceed. 

And then his gaze flickers to your mouth and lingers there for a moment too long. You watch him watch you, chest rising and falling, his expression tight. Like he’s holding something back. Your hands tingle with the desire to touch something. You feel the urge to reach out and grab something of his– his hand, the lapels of his jacket, the slope of his neck - and pull him into you. It still wouldn’t be close enough. If you could reach into his chest and hold his beating heart in your palm, you would.

And that terrifies you. 

Cooper clears his throat, swiftly standing from the stool. 

“Well, would you ook at that— lost track of time. I have to head back.” He mumbles, patting his jacket pockets to find his keys. Before you can even respond, he’s striding towards the door.

“Right. See you later, Cooper.” You busy yourself by throwing the empty coffee cup and the remains of the muffin in the trash.

He calls your name, snapping your attention to him again.

“You’ll be okay.” He repeats.

“I know.” 

You smile, but it doesn’t reach your eyes.

You don’t see Cooper for an entire month after that. The entirety of October passes. You spend nights preparing for your midterm and ringing up PVC pipes, hammers, and plumbing snakes. You debate texting him, going back and forth between writing a paragraph apologizing for potentially crossing a line or a paragraph telling him off for disappearing. Both options never make it out of the notes app.

A definitive emotion hasn’t settled in your mind yet. Anger doesn’t feel justified. Rejection feels too assuming, and dejection hurts your pride. Every fleeting emotion feels blown out of proportion, so you try to feel nothing at all– because anything else would be fucking ridiculous.

Cooper was married. He had children. He had a life. And all you had were the moments of his spare time in between. You had nothing. You didn’t even have a reason to call him– until you did.

On the way home from the night shift, your car battery dies on a dark and empty backroad. Other than your roommate, you have only one other person to call.

Your finger hovers over the call button as you consider what you'll do if he doesn’t answer. Your racing heart makes your thumb shake.

It rings two times before he picks up.

After a month of radio silence, he pulls up in 30 minutes.

Seeing him exit the driver’s side door like nothing had changed is odd. The complicated feelings you’ve been fending off die in an instant and leave you feeling numb. He looked the same; maybe his hair was longer, just long enough for him to push behind his ears. When he walks toward you, you finally begin to feel something again– panic. Inside your mind, you’re frantically flipping through appropriate things to say. I missed you. Where the fuck have you been? Why?

He’s standing in front of you before you can decide.

“You alright?” He asks, his brow furrowed with concern. He looks to your old beat-up car, then to you.

“Yeah, I’m fine. It’s been stalling recently. I should have gotten it checked out sooner. Thanks for coming. I hate to bother you like this.” You can’t help but sound embarrassed. You had built this moment up in your imagination to be a staunch confrontation, but reality made you feel dumb. This was a grown man that had grown man shit to do other than play therapist with you. You felt small next to him like this. You regret not calling your roommate first.

“I’m happy to help. It’s cold—why don’t you wait in my car? It’s open.”

You wordlessly hand him your keys, grab your bag, and walk towards his car, leaning against the front hood instead. It was stupid, but the small act of defiance made you feel like you were still in control of the situation and, therefore, your feelings. Cooper takes a long look under the hood of your car before leaning into the driver's side and cranking the keys. The ignition clicks and whines but refuses to start. He sighs, trying a couple more times before shutting your car door and locking it.

“I brought jumping cables, but I don’t think I can do much to get it started. It could be more than your battery so It’s probably best to tow it. You’ll have to call your insurance and tell them to get it covered, but I can do the talking if you- ” 

For a moment, you’re possessed by the most jaded version of yourself. The words tumble from your mouth before you can understand them.

“Where have you been?” 

You regret it immediately.

Cooper sighs, closing his eyes and pushing his hair back. He pauses momentarily, thinking about how he'll handle the situation before returning to meet your gaze.

“I don’t think talking about that here is a good idea.” His tone is gentle but stern. It’s parentish and ignites the anger accumulating in you over the past month.

“That’s fucked up, Cooper. I’ve told you things I haven’t even said out loud, and now you get to decide when it is or isn’t a good idea for us to talk? It’s not fair—” 

“I know.”

“—It wasn’t even my idea! You softened me up! You kept coming back—“

“I know.”

“—You made me think I could trust you! You gave me something, and then you fucking took it away—who fucking does that?!”

He’s saying your name now. You were too worked up to notice that your cheeks were wet or that Cooper’s thumbs were wiping the tears away. You hadn’t cried in a year.

“It was wrong. I was wrong. I thought I could manage, but it was getting too close. What was happening between us, and who I am outside of that can never touch. I’m sorry.”

Your breathing slows. Cooper’s voice sounds distant, the warmth of his hands being the only thing grounding you. He’s so close now; you can see the flecks of green and brown along his iris. Your gaze drops to his mouth, lingering in the same way his eye lingered about a month ago. You can see the words forming around his lips. He repeats himself.

“I’m sorry.”

You feel a familiar urge again– the pull. This time, you almost give in. But something stops you. Cooper resists your pull.

“Don’t. You’ll regret it.” He warns.

You come to your senses, noticing the stinging sensation from the back of your thighs pressing against the hood of his car. It’s not enough to stop you from being at your weakest. 

“Please.” is all you can say. Your hands grip the collar of his sweater. He lets you, his resistance gradually softening until your mouth ghosts over his. 

“You have no idea what you’re asking for.” His voice is barely above a whisper.

It all happens so fast, his lips finally covering yours, his hands lifting you by the thighs and setting you down on the hood of his truck, your legs wrapping around him. Everything is brand new and intoxicating. The feeling of his hair between your fingers. Your arms around his neck, the hardness of his body against yours. It doesn’t take much for you to get lost in it. You feel Cooper lift you off the hood and walk around the side of his car. He flings open the passenger door and sets you on the leather seat.

“Tell me to stop.” He says in between the feverish back and forth of your lips, his hands sliding under your sweater to rest on the curve of your stomach. Heat pools between your thighs. You say nothing.

Cooper pulls away, leaving his hand underneath your shirt.

“This is what you want?” He’s looking down at you, hair in his eyes and mouth red and wet. You feel ashamed, but you nod anyway. Cooper’s hand gently pushes against your belly, beckoning you to lie down. Your chest heaves up and down, and your eyes flutter close. Cooper’s hands push up the sides of your waist, bringing your shirt with it. They travel over your ribs, his thumbs brush over your nipples through your thin bra. His warm breath ghosts just under your navel, lips peppering kisses right above your waistband. 

“I’ve been thinking about this. What you would look like under me. You look so pretty.” He smirks against your skin and uses a hand to undo a button on your jeans. Your eyes flutter back open.

The first thing you see is a splatter of dark red on the cloth ceiling of his car. You squint a bit, trying to pull your focus from what was going on below your waist. The little drops glisten in the dim glow of the interior cabin light. It looks wet.

Your blood runs cold. Your Father’s voice returns to you.

White picket fence motherfucker.

AO3

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[mostlysignssomeportents]

Insurance companies are making climate risk worse

Tomorrow (November 29), I'm at NYC's Strand Books with my novel The Lost Cause, a solarpunk tale of hope and danger that Rebecca Solnit called "completely delightful."

Conservatives may deride the "reality-based community" as a drag on progress and commercial expansion, but even the most noxious pump-and-dump capitalism is supposed to remain tethered to reality by two unbreakable fetters: auditing and insurance:

https://en.wikipedia.org/wiki/Reality-based_community

No matter how much you value profit over ethics or human thriving, you still need honest books – even if you never show those books to the taxman or the marks. Even an outright scammer needs to know what's coming in and what's going out so they don't get caught in a liquidity trap (that is, "broke"), or overleveraged ("broke," again) exposed to market changes (you guessed it: "broke").

Unfortunately for capitalism, auditing is on its deathbed. The market is sewn up by the wildly corrupt and conflicted Big Four accounting firms that are the very definition of too big to fail/too big to jail. They keep cooking books on behalf of management to the detriment of investors. These double-entry fabrications conceal rot in giant, structurally important firms until they implode spectacularly and suddenly, leaving workers, suppliers, customers and investors in a state of utter higgeldy-piggeldy:

https://pluralistic.net/2022/11/29/great-andersens-ghost/#mene-mene-bezzle

In helping corporations defraud institutional investors, auditors are facilitating mass scale millionaire-on-billionaire violence, and while that may seem like the kind of fight where you're happy to see either party lose, there are inevitably a lot of noncombatants in the blast radius. Since the Enron collapse, the entire accounting sector has turned to quicksand, which is a big deal, given that it's what industrial capitalism's foundations are anchored to. There's a reason my last novel was a thriller about forensic accounting and Big Tech:

https://us.macmillan.com/books/9781250865847/red-team-blues

But accounting isn't the only bedrock that's been reduced to slurry here in capitalism's end-times. The insurance sector is meant to be an unshakably rational enterprise, imposing discipline on the rest of the economy. Sure, your company can do something stupid and reckless, but the insurance bill will be stonking, sufficient to consume the expected additional profits.

But the crash of 2008 made it clear that the largest insurance companies in the world were capable of the same wishful thinking, motivated reasoning, and short-termism that they were supposed to prevent in every other business. Without AIG – one of the largest insurers in the world – there would have been no Great Financial Crisis. The company knowingly underwrote hundreds of billions of dollars in junk bonds dressed up as AAA debt, and required a $180b bailout.

Still, many of us have nursed an ember of hope that the insurance sector would spur Big Finance and its pocket governments into taking the climate emergency seriously. When rising seas and wildfires and zoonotic plagues and famines and rolling refugee crises make cities, businesses, and homes uninsurable risks, then insurers will stop writing policies and the doom will become undeniable. Money talks, bullshit walks.

But while insurers have begun to withdraw from the most climate-endangered places (or crank up premiums), the net effect is to decrease climate resilience and increase risk, creating a "climate risk doom loop" that Advait Arun lays out brilliantly for Phenomenal World:

https://www.phenomenalworld.org/analysis/the-doom-loop/

Part of the problem is political: as people move into high-risk areas (flood-prone coastal cities, fire-threatened urban-wildlife interfaces), politicians are pulling out all the stops to keep insurers from disinvesting in these high-risk zones. They're loosening insurance regs, subsidizing policies, and imposing "disaster risk fees" on everyone in the region.

But the insurance companies themselves are simply not responding aggressively enough to the rising risk. Climate risk is correlated, after all: when everyone in a region is at flood risk, then everyone will be making a claim on the insurance company when the waters come. The insurance trick of spreading risk only works if the risks to everyone in that spread aren't correlated.

Perversely, insurance companies are heavily invested in fossil fuel companies, these being reliable money-spinners where an insurer can park and grow your premiums, on the assumption that most of the people in the risk pool won't file claims at the same time. But those same fossil-fuel assets produce the very correlated risk that could bring down the whole system.

The system is in trouble. US claims from "natural disasters" are topping $100b/year – up from $4.6b in 2000. Home insurance premiums are up (21%!), but it's not enough, especially in drowning Florida and Texas (which is also both roasting and freezing):

https://grist.org/economics/as-climate-risks-mount-the-insurance-safety-net-is-collapsing/

Insurers who put premiums up to cover this new risk run into a paradox: the higher premiums get, the more risk-tolerant customers get. When flood insurance is cheap, lots of homeowners will stump up for it and create a big, uncorrelated risk-pool. When premiums skyrocket, the only people who buy flood policies are homeowners who are dead certain their house is gonna get flooded out and soon. Now you have a risk pool consisting solely of highly correlated, high risk homes. The technical term for this in the insurance trade is: "bad."

But it gets worse: people who decide not to buy policies as prices go up may be doing their own "motivated reasoning" and "mispricing their risk." That is, they may decide, "If I can't afford to move, and I can't afford to sell my house because it's in a flood-zone, and I can't afford insurance, I guess that means I'm going to live here and be uninsured and hope for the best."

This is also bad. The amount of uninsured losses from US climate disaster "dwarfs" insured losses:

https://www.reuters.com/business/environment/hurricanes-floods-bring-120-billion-insurance-losses-2022-2023-01-09/

Here's the doom-loop in a nutshell:

As carbon emissions continue to accumulate, more people are put at risk of climate disaster, while the damages from those disasters intensifies. Vulnerability will drive disinvestment, which in turn exacerbates vulnerability.

Also: the browner and poorer you are, the worse you have it: you are impacted "first and worst":

https://www.climaterealityproject.org/frontline-fenceline-communities

As Arun writes, "Tinkering with insurance markets will not solve their real issues—we must patch the gaping holes in the financial system itself." We have to end the loop that sees the poorest places least insured, and the loss of insurance leading to abandonment by people with money and agency, which zeroes out the budget for climate remediation and resiliency where it is most needed.

The insurance sector is part of the finance industry, and it is disinvesting in climate-endagered places and instead doubling down on its bets on fossil fuels. We can't rely on the insurance sector to discipline other industries by generating "price signals" about the true underlying climate risk. And insurance doesn't just invest in fossil fuels – they're also a major buyer of municipal and state bonds, which means they're part of the "bond vigilante" investors whose decisions constrain the ability of cities to raise and spend money for climate remediation.

When American cities, territories and regions can't float bonds, they historically get taken over and handed to an unelected "control board" who represents distant creditors, not citizens. This is especially true when the people who live in those places are Black or brown – think Puerto Rico or Detroit or Flint. These control board administrators make creditors whole by tearing the people apart.

This is the real doom loop: insurers pull out of poor places threatened by climate disasters. They invest in the fossil fuels that worsen those disasters. They join with bond vigilantes to force disinvestment from infrastructure maintenance and resiliency in those places. Then, the next climate disaster creates more uninsured losses. Lather, rinse, repeat.

Finance and insurance are betting heavily on climate risk modeling – not to avert this crisis, but to ensure that their finances remain intact though it. What's more, it won't work. As climate effects get bigger, they get less predictable – and harder to avoid. The point of insurance is spreading risk, not reducing it. We shouldn't and can't rely on insurance creating price-signals to reduce our climate risk.

But the climate doom-loop can be put in reverse – not by market spending, but by public spending. As Arun writes, we need to create "a global investment architecture that is safe for spending":

https://tanjasail.wordpress.com/2023/10/06/a-world-safe-for-spending/

Public investment in emissions reduction and resiliency can offset climate risk, by reducing future global warming and by making places better prepared to endure the weather and other events that are locked in by past emissions. A just transition will "loosen liquidity constraints on investment in communities made vulnerable by the financial system."

Austerity is a bad investment strategy. Failure to maintain and improve infrastructure doesn't just shift costs into the future, it increases those costs far in excess of any rational discount based on the time value of money. Public institutions should discipline markets, not the other way around. Don't give Wall Street a veto over our climate spending. A National Investment Authority could subordinate markets to human thriving:

https://democracyjournal.org/arguments/industrial-policy-requires-public-not-just-private-equity/

Insurance need not be pitted against human survival. Saving the cities and regions whose bonds are held by insurance companies is good for those companies: "Breaking the climate risk doom loop is the best disaster insurance policy money can buy."

I found Arun's work to be especially bracing because of the book I'm touring now, The Lost Cause, a solarpunk novel set in a world in which vast public investment is being made to address the climate emergency that is everywhere and all at once:

https://us.macmillan.com/books/9781250865939/the-lost-cause

There is something profoundly hopeful about the belief that we can do something about these foreseeable disasters – rather than remaining frozen in place until the disaster is upon us and it's too late. As Rebecca Solnit says, inhabiting this place in your imagination is "Completely delightful. Neither utopian nor dystopian, it portrays life in SoCal in a future woven from our successes (Green New Deal!), failures (climate chaos anyway), and unresolved conflicts (old MAGA dudes). I loved it."

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/11/28/re-re-reinsurance/#useless-price-signals

[agentmarvel]

Hiiii! Could I please request 🖤 for Keegan with “marriage of convenience!” Thank you!!! <3

i had a lot of fun with this one! thank you for sending one, nonnie!🖤

keegan russ x fem!reader

cw: obsessive!keegan

mdni - 18+; minors and ageless blogs will be blocked

Hesh doesn’t ask favors lightly, so when he asked Keegan for a solid, he was happy to oblige. He didn’t get much in terms of specifics from the elder Walker brother, just that a really sweet thing needed some help, and Kee was the man for the job.

Marriage wasn’t quite what he had in mind when he agreed. He understood that you needed insurance, but there had to be a better way to find it. It’s quite a commitment, even if it’s hollow, and his conspicuous absences would definitely be glaring. You know nothing about him and vice versa. Would you hinder him from getting his dick wet under the guise of emotional trauma from infidelity? The military would rule in your favor in a divorce, especially if you weren’t fucking someone else. Would you whine and nag about the length of his mission? Would he bitch and moan about the way you decorate or your cooking when he’s home? There are too many variables. Enough that he almost considers turning Hesh down.

But then he met you, and all those thoughts went out the window.

Keegan isn’t one for love at first sight, but the second you walk into that coffee shop, he’s hooked on you. He takes his time memorizing every detail of your gorgeous face, each curve of your body in that pretty dress, the cadence of your voice, the sound of your cute giggles. Your little habits don’t go unnoticed; the way you cover your mouth when you eat, the way your nose scrunches when you’re talking about something that you think is gross (Keegan notes that you don’t like tomatoes, that precious little scrunch deepening as your mouth turns downward in disgust).

You seem to be equally taken with him, listening with rapt attention as he answers all your questions. When he walks you back to your car, you loop your hand through his arm. He must look startled, because you immediately retract and apologize. No, no, that’s not what he meant! He was just surprised that you felt the same. To comfort you, he casually slips an arm around your waist, settling on your hip to pull you closer.

It all goes quickly. Within a week, he finds himself at the courthouse, signing a marriage license with his free hand tucked into yours. Days later, he’s in the base admin office, adding you as his next of kin and beneficiary and adding you to his insurance policy. Over the weekend, he moves you into his off-base home. All standard to make the marriage look real, he tells you, no one will question it.

No one will question if your marriage is real because it is. No longer is this simply “doing Hesh a favor”. No, you’re his wife now. You’re his. His to hold, to kiss, to absolutely ruin, to love. And Keegan does love you. Everything about you. You’ll warm up to it pretty soon. While you’re still a little skittish about how real this has become overnight, hiding from his affection and trying to remind him this isn't real, he knows you’ll come around. Before long, he’ll be coming home to your bright smile, smothering him in kisses. You’ll be begging him for a baby when he fucks you stupid after not getting to touch you for weeks or months at a time to keep you company while he’s away. He can’t wait to come home to your big, round belly, swollen with his child, bouncing a chubby little baby on your hip while you prepare for another. You’ll be such a good wife and mother; you just have to come around to the idea.

pick your prompt here!💌

[simply-ivanka]

Harris and Schumer Target the Supreme Court

Democrats make clear that if they win, they’ll push measures to destroy the judiciary’s independence.

By 

David B. Rivkin Jr. and Andrew M. Grossman -- Wall Street Journal

Democrats have made clear that if they win the presidency and Congress in November, they will attempt to take over the Supreme Court as well. Shortly after ending his re-election campaign, President Biden put forth a package of high-court “reforms,” including term limits and a “binding” ethics code designed to infringe on judicial authority. Kamala Harris quickly signed on, and Majority Leader Chuck Schumer has made clear that bringing the justices to heel is a top priority.

Democrats proclaim their devotion to democratic institutions, but their plan for the court is an assault on America’s basic constitutional structure. The Framers envisioned a judiciary operating with independence from influences by the political branches. Democratic “reform” proposals are designed to change the composition of the court or, failing that, to influence the justices by turning up the political heat, as President Franklin D. Roosevelt achieved with his failed 1937 court-packing plan.

Now as then, the court stands between a Democratic administration and its ambitions. The reformers’ beef is precisely that the court is doing its job by enforcing constitutional and statutory constraints on the powers of Congress and the executive branch.

Roosevelt sought to shrug off limits on the federal government’s reach. What’s hamstrung the Obama and Biden administrations is the separation of powers among the branches. President Obama saw his signature climate initiative, the Clean Power Plan, stayed by the court, which later ruled that it usurped Congress’s lawmaking power. The Biden administration repeatedly skirted Congress to enact major policies by executive fiat, only for the courts to enjoin and strike them down. That includes the employer vaccine mandate, the eviction moratorium and the student-loan forgiveness plan.

That increasingly muscular exercises of executive power have accompanied the left’s ascendance in the Democratic Party coalition is no coincidence. The legislative process entails compromise and moderation, which typically cuts against radical goals. That was the lesson self-styled progressives took from ObamaCare, which they’ve never stopped faulting for failing to establish a government medical-insurance provider to compete directly with private ones. Similarly, Congress has always tailored student-loan relief to reward public service and account for genuine need.

Then there’s the progressive drive for hands-on administration of the national economy by “expert” agencies empowered to make, enforce and adjudicate the laws. The Supreme Court has stood as a bulwark against the combination of powers that James Madison pronounced “the very definition of tyranny.” Decisions from the 2023-24 term cut back on agencies’ power to make law through aggressive reinterpretation of their statutory authority, to serve as judge in their own cases, and to evade judicial review of regulations alleged to conflict with statute. By enforcing constitutional limits on the concentration of power in agencies, the Roberts court has fortified both democratic accountability and individual liberty.

That explains the Democratic Party’s attacks on the court. The New York Times’s Jamelle Bouie recently praised Mr. Biden for identifying the court as the “major obstacle to the party’s ability” to carry out its agenda and commended the president’s “willingness to challenge the Supreme Court as a political entity.” That explains the ginned-up “ethics” controversies: The aim is to discredit the court, as has become the norm in political warfare.

An even bigger lie is the refrain that the court is “out of control” and “undemocratic.” Consider the most controversial decisions of recent terms. Dobbs v. Jackson Women’s Health Organization (2022) returned the regulation of abortion to the democratic process. West Virginia v. EPA(2022) and Loper Bright Enterprises v. Raimondo (2024) constrained agencies’ power to say what the law is, without denying Congress’s power to pursue any end. Securities and Exchange Commission v. Jarkesy (2024) elevated the Seventh Amendment right to a jury in fraud cases over the SEC’s preference to bring such cases in its own in-house tribunals. And Trump v. U.S. (2024), the presidential immunity ruling, extended the doctrine of Nixon v. Fitzgerald (1982) to cover criminal charges as well as lawsuits, without altering the scope of presidential power one iota.

Meanwhile, the administrative state has scored wins in some of this year’s cases. In Consumer Financial Protection Bureau v. Community Financial Services Association, the justices rejected a challenge to the CFPB’s open-ended funding mechanism. A ruling to the contrary could have spelled the agency’s end. In Moody v. NetChoice, it reversed a far-reaching injunction restricting agencies’ communications with social-media companies seeking to censor content. And in Food and Drug Administration v. Alliance for Hippocratic Medicine, it reversed another injunction, against the FDA over its approval of an abortion pill. The last two decisions were notable as exercises of judicial restraint. In both cases, the court found the challengers lacked standing to sue.

What Mr. Biden, Ms. Harris, Mr. Schumer and their party are attempting to do is wrong and dangerous. They aim to destroy a branch of federal government. For faithfully carrying out its role, the court faces an unprecedented attack on its independence, beyond even Roosevelt’s threats. Unlike then, however, almost every Democratic lawmaker and official marches in lockstep, and the media, which were skeptical of Roosevelt’s plan, march with them.

As Alexander Hamilton observed, the “independence of the judges” is “requisite to guard the Constitution and the rights of individuals” from the actions of “designing men” set on “dangerous innovations in the government.” The political branches have forgone their own obligation to follow the Constitution, which makes the check of review by an independent judiciary all the more essential. Ms. Harris and Mr. Schumer would put it under threat.

Mr. Rivkin served at the Justice Department and the White House Counsel’s Office in the Reagan and George H.W. Bush administrations. Mr. Grossman is a senior legal fellow at the Buckeye Institute. Both practice appellate and constitutional law in Washington.

[doubleca5t]

Ok, there's something about Home Insurance that I don't get: For many other kinds, the company can negotiate with Mechanics or Vets or whatever to get a discount which can then be used to offer policies lower than what the average person would pay. But Home Insurance doesn't have that, does it? I don't want to call Home Insurance a scam but on average wouldn't someone be better off without it?

You definitely would not be better off without home insurance b/c if your house burns down you would have to pay for the entire thing out of pocket and that would be very much Not Fun.

As for the difference in claims process between PersAuto and Home, I think it has to do with the business model of contractors vs auto shops. Mechanics make the bulk of their money off repairs, so having an insurance company recommend you to their customers in exchange for a discount can give you a huge boost in sales even if it cuts into your margins for individual repairs a bit. Contractors on the other hand make a huge % of their money off remodels, rebuilds, new construction, and other projects where an insurance company isn't involved. They have way less incentive to give a discount in exchange for extra business because their business model gives them a consistent source of revenue regardless of an insurance carrier's recommendation.

Same thing applies to vets with pet insurance - vets make way more money off a sick pet than a routine check-up, so they have a big incentive to get a recommendation from an insurance company.

[sheisraging]

If you're considering not voting or casting a pointless 3rd party vote in the upcoming US elections*, I'd urge you to read about Project 2025, which is the Republican transition plan for if they win the 2024 election (link is for the wiki page, not the actual website).

A short summary:

Project 2025, also known as the Presidential Transition Project, is a collection of policy proposals to fundamentally reshape the U.S. federal government in the event of a Republican victory in the 2024 U.S. presidential election. Established in 2022, the project aims to recruit tens of thousands of conservatives to the District of Columbia to replace existing federal civil servants—whom Republicans characterize as part of the "deep state"—and to further the objectives of the next Republican president. It adopts a maximalist version of the unitary executive theory, a widely disputed interpretation of Article II of the Constitution of the United States, which asserts that the president has absolute power over the executive branch upon inauguration.

Among the many horrifying and notable points:

Abolishing the Department of Education, whose programs would be either transferred to other government agencies, or terminated. Basic research would only be funded if it suits conservative principles.

Promotes the ideal that the government should "maintain a biblically based, social-science-reinforced definition of marriage and family."

Proposed recognition of only heterosexual men and women, the removal of protection against discrimination on the basis of sexual or gender identity, and the elimination of provisions pertaining to diversity, equity, and inclusion (DEI) from federal legislation.

Individuals who have participated in DEI programs or any initiatives involving critical race theory might be fired.

Explicitly reject abortion as health care

Revive provisions of the Comstock Act of the 1870s that banned mail delivery of any "instrument, substance, drug, medicine, or thing" that could be used for an abortion.

Restrict access to contraception.

Infuse the government with elements of Christianity, and its contributors believe that "freedom is defined by God, not man."

Criminalizing pornography

Combat "affirmative discrimination" or "anti-white racism," citing the Civil Rights Act of 1964.

Deploy the military for domestic law enforcement and to direct the DOJ to pursue Donald Trump's adversaries by invoking the Insurrection Act of 1807.

Recommend the arrest, detention, and deportation of undocumented immigrants across the country.

Promotes capital punishment and the speedy "finality" of such sentences.

Reform the Department of Health and Human Services (DHHS) so that the nuclear household structure is emphasized.

Give state governments the authority impose stricter work requirements for beneficiaries of Medicaid

Mandate that federal healthcare providers should deny gender-affirming care to transgender people

Eliminate insurance coverage of the morning-after-pill Ella (required by the Affordable Care Act of 2010).

Remove Medicare's ability to negotiate drug prices.

These are just a few things and I'm sure lots of people will be like lol this will never happen but lots of people said this about overturning Roe, as well.

*FWIW - I think it is absolutely valid to be angry, discouraged, and disappointed in our current administration.

Be mad at Biden! (though I would encourage looking into some of the actually positive things his administration has achieved).

But also consider what's at stake for a huge population of this country if we wind up with a GOP win.

[cacodaemonia]

You know, when (US) doctor's offices and hospitals started asking people to fill out their medical history and insurance info online, I thought the intention was to move away from doing all of that on paper, or ideally, to give patients a choice of which they prefer.

But no. Now you just have to fill everything out TWICE for absolutely no reason!

And don't even get me started on insurance cards and how they all have different formats, but medical providers use different terms to refer to the various numbers on the cards as well as the person who holds the policy versus the patient, so people will inevitably fill it out wrong and office staff will have to correct it but you give the staff your insurance card anyway so why do they even make people fill that all outtttt and—*bangs head against wall*

🙃🙃🙃 I definitely didn't spend two hours on this today why do you ask????

[thecameronchronicles]

Rafe Cameron MasterList

SERIES

The Debt: Masterlist

Best Friend's Girl: Masterlist

Breaking And Entering: Part 1 / Part 2: Barbados

The Dare: Part 1 / Part 2

Leverage: Part 1: The Boiler Room / Part 2: The Adventures on the Coastal Venture

Getting Even: Part 1 / Part 2

Friends With Benefits: Part 1: Birthday Party / Part 2: On The Edge

After Class: Part 1 / Part 2: Extra Credit / Part 3: Punishments

Too Close For Comfort: Part 1 / Part 2

Going Full Kook: Part 1 / Part 2

Gullible: Part 1 / Part 2

ONESHOTS

A Deal With The Devil

More Than Friends

Hole In One

The Exes

In Control

Only Me

Quiver

Sacrilege

Breathless

Payback

More Than Watering Plants

Do You See What I See?

Misbehavior

Maid For You

Harder

A Change of Hearts

Out of Control

The Heart Wants What It Wants

The Lengths Love Goes

The Gift

Pumping More Than Iron

Give It To Me

No Other Option

Watch Me

Fright Fest

Out of Excuses

Him and I

Dinner At The Cameron's

White Lines

The Stepbrother

Insatiable

Thinking Of You

Collateral

Come Again?

Bleed For Me

Breed

Psychotic

Virtue

Scream For Me

Just As Twisted

Insurance Policy

Catch Me If You Can

Ulterior Motive

Record

Private Show

Cherry

Relinquishment

Start Your Engines

No Other Name

Repetition

Self Sabotage

Darling

The Price of Teasing Rafe Cameron

Proactive

Delivery

Rectifying The Situation

Sensuality

Those Three Words

Homeroom

Mary On A Cross

Definitely Not Vanilla

Unlawful

My Best Friend, The Cam Girl

Tied Down

FLUFF/BLURBS

One Call Away

[zukosdualdao]

i’ve sometimes seen the idea that azula cheating in the agni kai by aiming at katara is supposed to show how far she’s fallen and how lost she is because she wouldn’t have cheated before, but that just… does not ring true to me.

i think this idea comes from her characterization of trying to live up to perfection, but i think it’s important to remember she’s functioning under ozai’s definition of perfection, a guy who infamously colluded with his wife to kill his father so that he could be firelord. i don’t get the particular sense he cares how, exactly, azula carries out the goals he’s set for her, as long as she accomplishes them.

and a lot of really prominent azula scenes turn on the axis of her being exactly this underhanded. in the avatar state, she tries to manipulate iroh and zuko into coming home under false pretenses, when she really means to arrest them. in bitter work, seeing she’s outnumbered, she makes a false surrender so that her opponents will hesitate/back down and then attacks iroh when they do. in the crossroads of destiny, she strikes aang with lightning from behind while he’s in the avatar state. in the awakening, she lies that zuko killed aang because she wants an insurance policy she won’t be blamed on a hunch he might be alive.

whether or not these break official rules of combat or acceptable legal/social behavior in-universe, i think it’s hard to deny that these actions form a pattern that showcases azula as someone not concerned with integrity or ideological fairness in such situations.

azula is a fascinating character, and her breakdown in sozin’s comet is tragic. but it’s not because she’s acting out of character; if anything, it’s because she’s falling back on old patterns despite her hallucination of her mother (and therefore her own subconscious) trying to warn her that using fear to control people isn’t truly viable. but that means her entire concept of the world is wrong, so she doubles down and shoots for katara, a noncombatant in this fight, having seen zuko agree to an agni kai in the hopes she wouldn’t get hurt and thus understanding he fears that and will make sure the lightning never reaches her. azula doesn’t care how she wins because it’s never mattered how she wins, as long as she does. but with katara defeating her and ozai’s impending downfall, it’s about to matter a lot more.

[am-i-the-asshole-official]

Resubmitting because I think this got eaten by the inbox. Apologies if it was passed over intentionally!

🐝🐝🐝🐝 <- Bees of recognition!

WIBTA for moving out of my parents’ house?

I’ve [22NB] always had issues with my parents, and at this point in my life I am getting old enough (and exposed enough to outside ideas) that I think they may have been or are still somewhat mentally abusive. Regardless, I know and believe that they truly do love me and care about me very, very deeply. I know the way they treat me is flawed, but at their roots they genuinely care about me and believe they have good intentions.

Most recently, we’ve been talking about me wanting to move out. I will be graduating with my bachelor’s degree this semester and starting a one-year master’s degree program this fall. My parents have paid for my school expenses throughout my undergraduate degree. Regardless of whether I move out or stay with them, my parents will not be paying for my graduate degree. My partner [22M] of three and a half years is planning to propose to me soon and we are planning for me to move in with him this summer. I’ve done the math and extensively planned my budget to model my financial outlook. I am well within the range to safely give up my parents’ financial support and still have a significant “cushion” of savings built up. The model’s annual totals could be off by a few thousand dollars and still be safe and healthy for me to move out.

My parents are extremely opposed to this idea. I have talked about moving out before (as in over the past few years) and their main argument has always been that I wasn’t financially ready (they were correct at the time). This most recent discussion is different. They are incessant in telling me that if I do this, because my partner and I are not yet married, we will be “living in sin” and I should “consider the weight on your soul of throwing yourself away.” Dad especially argued it is his job to “use whatever I can to get you to make the right decision.” He said he will be looking into taking me off of their health insurance policy and that I would not be allowed to take any of my furniture that was previously promised to me for when I inevitably move out someday, and even insinuated I may not be able to take my clothes (essentially, any item they paid for). I did not tell them this, but even if he follows through on that, I am still financially able to move out. It would be significantly more difficult of course, but I could still do it safely. My mom seemed shocked and upset at him suggesting this so she may “talk him down” at some point, but it is unlikely to have an effect on the outcome. My parents follow a very traditional approach to the “family hierarchy,” in that Dad gets the final definitive vote on all family matters. His explanation he has repeated for years is he. “takes everyone’s thoughts and feelings into consideration, but [he gets] 51% of the vote.” Despite this, I highly suspect Dad was speaking before considering the impact of his “ideas” and it is unlikely he will follow through on them. Mom has mentioned that she and Dad want to meet with the local priest to discuss the situation. She says she hopes he can help Dad understand the balance between healthy guidance and severely damaging his relationship with me as parent and child.

I have tried to gently and calmly (but firmly) explain that I simply disagree that it is a morally incorrect decision to live together before marriage and that I don’t fully believe in the Catholic church. Dad almost completely ignored the statement saying, “Right, you can’t just throw your soul away. What if you move in and you’re living in sin, and something happens and you die? What then?” Mom just started crying. She was inconsolable until I walked my statement back to a matter of just “questioning” my faith rather than not aligning with Catholicism.

They offered to allow me to spend the night at my partner’s place once a week if I were to remain living with them through my graduate degree and/or until my partner and I are married, whichever comes latest. I asked if they were sure they would be comfortable with that situation. We have had arrangements similar to it before. Every time we have, it ended with them having grown resentful and that feeling festering until it exploded in a massive argument between all of us. They insisted it would be fine and that it was vastly preferable over me “fully committing to a life of sin.”

I still want to move out. For a whole host of other reasons too long for this already long submission, I feel it is not healthy for me to continue to stay with them longer than I already have. If I am financially unable to move out or it would otherwise be a bad idea logistically, I could handle another year. Staying longer would almost certainly affect my mental and emotional health but I understand you have to do what you have to do. I feel deeply, horribly guilty for wanting to do this despite their beliefs and advice. I feel like I would be hurting them so much and I don’t want to destroy our relationship.

So, WIBTA if I went against my parents’ wishes and moved out of their house to live with my partner?

[peachesancreams]

Angelic Wives

Vox, Alastor, and Husk

There is a spoiler for helluva boss is Voxs part, just a heads up

Summary: just a stream of thought on their wives, who they are and how they’d act in life and heaven

Vox

I see him running a TV program like a new up coming producer

he produced one of those musical/comedy jubilees, so people preformed or did comedy acts

meet his wife as she sang some cover of an older song, she had wanted to do her own original song but the studio vetoed it

he loved her voice and natural elegance, she thought his secretly pathetic nature was adorable

Old Hollywood IT couple vibes, but like any photos of them he’s blank or stoic looking

he just liked the contrast of his radiantly glowing wife to his darkness

she had no illusions about how terrible he was. She drank and smoked sure but she knew she had nothing on him morally

my headcanon is he got his head repeatedly smashed into a TV by someone he definitely stole the position from

I’ll say this once: She’s Only Heaven because of Him

Like she was a good person but if you’ve seen Helluva Boss you know you can like buy you’re way into heaven(donate it to good causes and the like)

Idk if they were a thing but i can see Vox taking out a life insurance policy on both him and his wife, either way when he passed she ended up loaded

didn’t want it, actually was SUPER depressed due to him passing so she kept enough to sustain herself but donated everything else

only went on TV on his death date, sang songs he loved or would’ve liked

did make only 1 album but it was very sad and it wasn’t popular when she was alive

was also murdered!! But in a mugging, her favorite pearl necklace got destroyed but she got to keep her ring(she wanted those damn pearls)

my first idea for her in heaven was to have a spotlight head akfbwjnxjdndkskd

honestly tho I think she’d be a Sand Cat, very rare but definitely not a house pet

people have mixed feelings about her being in heaven

it was cause she had a more ‘sexy starlet’ persona cause many people unconfirmed rumors

Now it’s mainly due to how she’s publicly admits to still loving her demon husband

knows they technically aren’t married “death do you part” and all, but she kept the ring dammit that’s her man

would be thrilled to know he had found a partner!!(partners of polyvees)

not the jealous type has a more “I can share as long as you have space for me in your heart” thought process

For Just Valentino

• “oh wow he found someone with the a similar moral compass! That is to say: none! Good for him.”

• think he’s very beautiful tbh

• “why are they both so damn tall…” jealous only of their height

For PolyVees

“I love the Evil Power Couple vibe….what? I can like it and know they are not good people! Logic people, come on.”

Craves velvettes designs, like heavens fashion has Christian Dior but she likes Velvettes fresh styles

would be curious about the relationship dynamics tbh like is her husband a hinge or what

Back to my HeadCannons!!

actually started her own jubilee program in heaven! Still takes a segment on Vs death day to sing him a song

It’s popular cause new souls who remember miss old MTV(I know I do) and older souls miss the performance aspect I bet

Heaven does have to check over what she’s putting on the program, it has to be clean and by heavens many rules after all

does a hosting segment on the weekends, she apparently got really popular after her death!!

People in heaven were gagged to see her being a TV host(Hell too if the Cherub commercial is anything to go by)

Alastor

met when they were young adults at Mimzys club, it was a slow romance like spring thawing out winter

A slow realization but quick to accept their love for the other, got married so quick people actually started to gossip

that was a theme in their life together, being gossiped about but no one confronting them

he was a famous radio host after all! And she was his lovely housewife, even if she was a yankee

(he doesn’t remember her but they meet when they were younger but only she remembered, didn’t say much cause she knows it wasn’t a happy time for him)

loved to forage and garden, paired with his hunting they always ate very fresh food. (He misses it not that he’d actually say to anyone)

I can see him living outside of New Orleans, not in the bayou but close to the swamps

she didn’t know about his murder hunts, and as he became a cannibal after death she never ate a victim

so while he was shot in the head, my personal headcanon was that people thought the hunter was the mass murderer and a mob got to him before police

I will write about this somewhere else because I have A Lot of thoughts on police work back then, plus the forensics that aid in this

she was of course devastated, she barely ate and when the police told her what happened the first time she fainted

they had to repeat themselves 3 times till it registered that her husband was dead

so many assumed she offed herself, but she just fell asleep in the bath after a breakdown

having drowned and gone to heaven, she finally got to meet the other most important person to Alastor!!

Abigail is also a deer, and was thrilled to meet she lil Al’s lady! Always lowkey knew what kinda person her boy was so is not surprised he isn’t in heaven

his wife is Upset and Confused, he should be here? Why isn’t he in paradise!

I t’s not a-typical but Sera had a meeting with her and basically was like “listen you didn’t know this so you were safe but…”

tells his wife everything, doesn’t hold anything back. Sera knows Abigail has an idea, but not the full picture

now she is Upset and Confused but for very different reasons.

She’s upset for many reasons; he lied to her, many times and in so many ways. She felt like a fool

Confused at herself because she still…misses him. And loves him. He was her Al, sweet with terrible jokes and his mamas recipes.

She shouldn’t. Right? He’s evil and where he belongs.

Opened a coffee shop because she needed something to do, and with no forests to forage she turned to Abigail who turned her to cooking/baking

her menu has his favorite snack foods, and a handful of sweet items that she rotates out

expanded to matcha and espresso in the modern years, but kept her coffee shop in a vintage design

think a tea room design but for a coffee shop

Husk

Ok so Husk always gave me ex-solider vibes, like the drinking and gambling? Coping mechanisms

Husk was probably a very hard man to love and did a lot of learning down in Hell

I can see him leaving his family, but only cause he saw it as the debt leaving with him

(It did and ended up being the reason he died, owing money to the wrong people)

His wife, the reason he can not love, was tough as nails at least on the outside

Would and did roll up her sleeves and did the “man’s work” around the house; fixed up the car, plumbing, made a table out of a tree that fell in the yard

If she could learn how to do it, she put her all into it

When he left took up neighborhood odd jobs, many actually used her for childcare and it inspired her to open her home to kids in need.

They didn’t get to have any kids before he left, they tried but…well she always ended up saying her kids came to her later in life

Caring for and loving those kids are why she’s in heaven, she thankfully passed while not fostering any young ones

Spontaneous heart attack, wasn’t surprised liked her meat and potatoes

Mainly white Calico, long haired to Husks medium(fluffycatsfluffycatsfluffycats)

Not surprised Husk isn’t in heaven, he was a soldier he killed people. Is a lil surprised she’s there

She was a kind woman, a hard life made her have a hard exterior

She did what she could for the children she could, but never saw it as enough

If Hell has children then Heaven probably does too

Opened a few orphanages, got permission from the Seraphim’s and everything

Isn’t a director but does do monthly check ins to make sure everything is to her standards. Wants the best for these kids.

Thinks about Husk in a bittersweet way, knows he’s probably enjoying all the gambling dens and ladies

He was faithful in life and that’s more then most women got, she doesn’t mind him seeking others

It doesn’t matter that she hasn’t tried looking for another, she always preferred her own company anyway

She had been annoyed and angry at him in life for leaving but in the afterlife…..in small quiet moments she thinks about him

all dividers are credited to @saradika-graphics