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She was looking down at the table in front of her, unable to look me in the eyes. I knew she was lying about the interview. When you have been around as long as I have, you can instinctively tell when someone is lying. But I ignored it for now.?Mrs Walker. If you got a job today, and paid back every penny you earned for the next five years, I doubt you would be out of debt. The interest alone on your debts is mounting as we speak. And if the bank repossess your home? You have no collateral, Mrs Walker. Nothing substantial that you can offer us.??But please? she begged. ?I just need more time. Surely the bank can see that?I could see the tears welling up in her eyes. I got the feeling that until all her debts were laid out in front of her, she had no idea how bad the situation was. She simply spent money without thinking. A lot of people do. Its not a crime, but it is stupid.?I don’t know what you expect the bank to do, Mrs Walker. This is not the first letter we have sent you. You. Ann handed me the dress andoffered to help me into it. Meanwhile Susan had been searching through thedrawers of underwear and selected a matching white slip and a white teenbra. She suggested that I would find the slip would be more comfortableand that the bra would help give the dress a more feminine form on me. Shehanded me the bra which I was able to get on me with out to much troubleand then lowered the slip over my head. I looked in the mirror and wasrather stunned by what I saw for a quite pretty 12 year old girl withshort hair looked back at me. I turned and hugged first Ann and thenSusan. There mum came into my room at that stage and she too was quitetaken by how feminine I looked. She back me a hug and told me how pretty Iwas and that if I wanted she could help me grown up to be a woman not aman. Reaching between my legs she grabbed my testes and asked me if Iwanted to keep them. This was a question that I did not understand."Hon if you keep them you will in the next few.
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