There was a loud crash outside the apartment. We were in bed talking about leaving the city just as we always had around ten p.m. every night for the past million years. I’d bring up a photo of some paradise with green grass and a nice big blue sky, no skyscrapers or office buildings in sight, and Terry would go, “Yep, that’s the place for us,” and then we’d settle back into our misery and forget all about it. I was delinquent with two of my loans, Terry took a pay cut to save her job, and we had a…