Coming Home to a Better Way

Today I went the pharmacy to pick up a prescription.  The pharmacist rang up my order, and I pulled my wallet out only to hear that my total was zero dollars.  I stared.  How could I be purchasing something for nothing?  Your insurance covered it, she explained.  Your deductible.

I still could not wrap my mind around it.  Didn't the year just start --

And then I remember.  It's November.  Halfway through, in fact.  If I had a calendar, it'd still be...