I sat down and started writing this column at 3:30 a.m. Sleep had escaped me. Maybe it was because I had procrastinated writing and was feeling the pressure of a deadline. Maybe the heavy schedule at work had me a little stressed. Maybe I should avoid caffeine after 7 p.m. Whatever the reason, I was awake in a silent house listening to the one mechanical clock that remains ticking in the silence before dawn. It was very peaceful.
And then I started thinking about my mortgage.