Billy turned off the oven and plopped into his brown overstuffed chair across from the television. He rested his black designer sneakers along the side of his oak cocktail table. Today he made the biggest decision of his life. Thank God, Alexandra gave him a chance to explain. He hadn’t planned on exposing the trouble he had gotten himself into over the years. It was a thing of the past, and that’s where he wanted to keep it. But when Ralphie came knocking on his door, his past had come back to haunt him, once again. With all the banks in New York City, it would figure he picked the one that Ralphie’s daughter worked at. This time, she was married. He remembered when he first borrowed the money, Ralphie wanted him to take out his daughter. If he had done that, Ralphie would have seen it as an investment into his daughter’s future. The trouble was, Billy never liked her. He could never forget Alexandra. She was his first and only love. How many times was he going to pay