He would normally have taken food with him and stayed out all day, but the thought of an extra hour with Janice was too enticing to miss. Having settled Stuart to his desultory attempt to paint which, was one of the few activities he attempted, Janice set off with Kent for Outlaw’s Cove. As she had said, it took only about fifteen minutes to get there. As they walked they discussed Forlorn Point – its advantages and disadvantages, but avoided the questions they really wanted answers to. Janice wanted to know if Kent had a woman in his life. Did he have any children? Where did he live? Kent had equally personal questions he would like to have had answered. Why were Janice and Stuart really here? How did Stuart come to be in a wheelchair? How could Janice tolerate a man who treated her so insultingly? I suppose these are questions we all have about others from time to time, but are too reticent to ask them. Arriving at the Cove Janice watched Kent scramble confidently down the narrow. So, am I supposed to find out about my family tree now?’ ‘You can, but only if you want to know about a family tree. What I’m concerned with is this ranch and the chain of title. That would be the actual legal owners and what they did to the property when they owned it and to whom it was passed by devise and descent.’ ‘You want to tell that to me in people speak?’ Gail took a deep breath and began to explain, allowing Howard to ask questions so he could understand. ‘To start with, you need to understand that ownership of land in a state is controlled by the laws of the state where it is located.’ Howard nodded, so she continued. ‘When you borrow money and use the property as security for a debt, you still own it, but the bank has a lien, meaning they have a claim which they can enforce if you don’t pay the debt. That’s what you would call a foreclosure and the bank could sell the property to collect what you did not pay. ‘When you pay off the debt, the lien is released and the bank’s.
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