Note: This story was dynamically reformatted for online reading convenience. Life Lesson Written by Muffin Stuffer Copyright (C) 2010, Muffin Stuffer. ALL Rights Reserved Introduction: Last month we lost our home along with many others when they were burned to the ground in a raging forest fire. It was set by human hands but may have been an accident. My sister, 10, and I (14) were in school in the city. Dad is in Afghanistan with the U.S. Army but will be coming home in about 4 months. Mom works in the city also but travels home daily, but the day of the fire Mom had to stay in town at a motel. She called us on our cell phones and told us that we may have lost our home due to fire. Marcy, short for Marcella, and I, James (nickname Jamie), were staying at an aunt and uncles' home as their kids were all grown and moved away. We are the youngest kids in our family. The day we learned we had no home Marcy and I cried as we had only a few school clothes and our school books. Everything else that we owned was in our home. Of course, mom lost everything too, including our access to dad as we used our computer to video communicate and record our conversations. Our lives were devastated. Chapter 1 About a week later, our insurance company settled partially with us. They gave us money to find a new temporary home and get some personal items that we would need. Mom found a nice two bedroom duplex that kept us together and close to our schools. Marcy goes to middle school and I attend high school as a freshman. Mom told us we would be living there at least 6 months, maybe longer, and we would have to 'make do' until we could return to our land and rebuild. The first week wasn't too bad. Every night, we would shop for clothes, and other necessities. The local Best Buy store helped us get new computers with all the necessities to communicate with dad and a new TV, and home theatre sound. Mom also got a new washer and dryer. Insurance paid for all these items so we were not out personal money. The only disadvantage of our living arrangement is that there is little or no privacy. In our old house, we had 4 bedrooms, one for each of us kids, mom and dad, and the fourth was a family room with the home computer and our games and family bookshelf. The first week was an education in female anatomy for me. Mom and Marcy were always in some state of undress and even I often wore only my boxers. Marcy and I had twin beds but it may as well as been a single bed as they were so close together she would often be close to me. Mom had a double bed in her room for her and dad when he gets home. Since I have begun to masturbate the twin bed, at least, allowed me some semblance of privacy. The bathroom had a large bathtub/shower combination. It was very nice with a curved shower rod that fit around the tub. The only problem, if you could call it that, was that the curtain was partially see-thru. The design was painted on a clear plastic and since there was only one bathroom we all were in there at the same time doing our business, showering, brushing teeth, brushing hair, putting on makeup, etc. It was difficult for me as I had a hard-on seeing my MILF mother and budding little sister half-naked sometimes topless. Mom has a large set of boobs and Marcy will have as hers are now peach size with little pink nipples that are very defined. One morning we were running late and I was in the shower, Marcy was on the john and Mom was at one of the sinks putting on makeup and brushing her teeth when Marcy let out a yell, "MOM!!!! Help me!! What's wrong? I'm bleeding!" Mom dropped what she was doing and looked at Marcy. She had her legs spread wide and when I heard my sister yell, I poked my head out of the shower curtain. What I saw was my beautiful little sister bleeding from her pussy. It was evident it must have been the first time this had happened. Mom turned her head to me and said, "Jamie, back in the shower please. Marcy needs my help. I'll talk to you later." Well, mom helped Marcy and I could hear her telling her what was happening to her body and that it was, "a natural event and that she was growing up and this is a first step in becoming a woman. I'll get you a calendar to keep by your bed so you can keep track of this every time it happens. For now, you can wear one of my pads until I get you your own pads. Now, Marcy tonight we will have a family talk about this wonderful event in your life. OK?" "Ok mom." She said. "I feel queasy in my belly too. Is that normal?" "Yes Marcy, that is quite normal the first day. I'll give you a pill that will help and I think you might stay home from school today. I will ask Aunt Sue to come and stay with you." Mom told her. "No, not Aunt Sue. She is an old fuddy duddy and doesn't let us have any fun. Can't Jamie stay with me?" Marcie asked. "OK but I need to talk with Jamie privately. Now let me show you how to change this." Mom said. I sneaked peeks and had a hard-on the whole time. Mom sometimes blocked my view as she helped Marcie. When she got off the commode she pulled up her panties with a pad in them. She looked scared and confused and the bulge between her legs made her walk bow legged a little bit. I, meanwhile, turned off the shower and dried off. My cock was standing its full 5 inches and harder than it had ever been. Mom was in her bikini panties and a matching bra. Like I said, she is a MILF. I stayed home with her and helped her. We played board games and talked. She and I have always been close. I used to bathe her and helped change her diaper and panties when she wet them. We held each other when she would get a cramp and yeah we kissed. I even helped her look up information on her period on the internet. I bookmarked "scarlet teen" an information site for teens. It has a lot of information about teen sex and related issues. Heck, I even read along with her. I learned a lot and we talked about her having sex. I would love to have sex with her but after reading all about it I learned it is incest and forbidden in the eyes of society. That night after dinner, mom sat us down with dessert and explained the 'facts of life' to each of us. She said, "I will teach you each separately over the next few days, things that each of you need to know. For now, Marcie and I will have our talk in my bedroom tonight when we get ready for bed. So that night I got to sleep all by myself and I really missed her sleeping next to me. The next day Marcie and I returned to school and she seemed to have no ill effects. She was her normal exuberant self. That night as we were getting ready for bed, mom said, "Tonight you will sleep with me so we can talk about things." "Ok, mom." I said. At 10 o'clock we all were in the bathroom getting ready for bed. I put on a clean pair of boxers and kissed Marcie goodnight just like I always did. She hugged me tightly, her little breasts pressing into my chest. I instantly got hard. I went with mom to her bedroom. She put on her nightgown in front of me and I saw mom in all her naked glory. Her breasts are medium large and her pussy is bare. I couldn't see any hair at all so I assume she shaves it, probably because dad likes it that way. She and I sat on the bed and talked. She said, "The first thing is that what we say here and what we may do here remains here. There is to be no discussion or mention to anyone about this. We are family and as a family we will discuss family matters. This is one that is very important to all of us." She said. "Now, I know you have gone through puberty and are producing man semen capable of impregnating a girl or woman. You sister has just had her very first period. That's good for her as she is becoming a woman but with it comes a big responsibility. If she has sex at the wrong time now she can become pregnant. I know you and she are very close and have kissed and touched each other. There is nothing wrong with loving your sister or mother for that matter as long as it is loving and without coercion on either's part. Your sister told me some things about feeling your penis at night when you were asleep. She told me how it got all wet and squirted some slick, white fluid as she felt it. She felt something as she was doing it, something deep in her girl parts. I know what she was feeling because I have felt the same way when we are in the bathroom together and I need to put that feeling out, a fire in my pussy, and only you can do that since dad is away. Now, I want you to ask any questions you may have. So ask away." She told me. I sat there on the bed with a hard-on. I never knew Marcie did that to me and I wondered what she would do if I touched her in her sleep, but after what mom just told me I didn't dare as I might stick my cock in her and then she would get pregnant and that wouldn't be good. "Mom?" I began. "I have these urges to touch her when she is sleeping but I haven't. I didn't know she touched me and made be cum, errrrr shoot my semen." "That's OK son," she added. "You can use those words with me and in the house in private. It's normal." "Well, mom, every time I see you and Marcie in the bathroom half naked, or in the shower, I feel like I want to do things, to touch you and..." "Honey, that's ok. That's why you are here with me tonight. I have those same feelings and have had for some time. I began taking the pill last month in preparation of dad coming home and I am safe now. I want to show you how to make love to a woman and yes even Marcie, if she lets you sometime. I want you to know the proper techniques to arouse and caress a woman. These are life lessons that will stay with you for life. Whomever you ultimately marry and make love to or just a lover, these will put you in the good graces of that woman. So if you are willing to learn and keep all this a secret..." I Interrupted, "Mom, Yes! Yes! I will keep it a secret. Can't you see I am hard just listening to you as you sit here in your bra and panties?" "Ok Jamie, we will begin tonight. For the next few nights you will sleep in here with me and YES I will still talk with Marcie as she will be asking questions. Now, the first thing is we must take care of your problem or you will go off without really understanding." She got up and turned off all the lights except for the two night lights that gave a warm glow to the room. She then climbed up on the bed and had me lie back. She caressed my chest and kissed me lovingly. She kissed her way down my naked chest to my belly button. It was so erotic. My cock was harder than I ever could remember. She took her hand and caressed her way up my leg to my boxers. She brushed her palm over my cock and found the fly. She gently reached in and grasped my hard cock and tickled my balls. She brought it through the fly and that's when I shot my semen everywhere. It spurted and spurted as she only was holding it. "My, my, you were sure full, honey." She said. Then she leaned over and began licking my sensitive glans. It was so sensitive that it almost hurt me. I was thrashing about the bed as she was making love to my cock. She played with my balls, rolling them around and lightly squeezing them. She drew them down in my sac and then squeezed them tightly in her palm. I couldn't help myself. I began moaning, "Mom!...Yes!.... Oh Yes!... Don't stop!..." as she kept up making love to me. I reached up and felt her breasts through her bra. I tried to find the clasp to release them so I could feel them naked. She leaned over and kissed me as she held my hard cock and balls letting me find the clasp. I found it and after some struggle, it fell free. I touched one and then the other and she raised up and let the bra fall off her shoulders and to my chest. I threw it on the floor beside the bed. I got my tongue to lick her erect nipple as I held her close to me. I kissed and made love to that breast for a long time. I could not get enough of it. I think I thought it would soon be over and I would never get another chance like this. She got me to slow down and told me to nibble the nipple, "Draw it into your mouth and gently bite it and suck on it." I did as she instructed. My other hand was caressing her pantied butt and inner thigh close to her pussy. She was moving on the bed such that she seemed to want me to do more. She finally rose up and pulled my boxers off. I was now naked before my mother on her bed. She lay on me gently letting my cock lay between her legs. She then began rotating her hips to massage my still very hard cock. I felt an overwhelming urge never before felt that I wanted her to be naked. I then did the unthinkable. I found the waistband of her bikini panty and just ripped them off. Her bare pussy was now mine to do with as I wanted. Suddenly, she got up and made me stop. "Honey, don't ever just rip her panties off. I know you are so aroused you have to put it in my pussy. I want you to but you have to make it good for me and your lover." She told me. Then she lay beside me and told me how to touch her and gently caress her, finding her erogenous zones that will heighten her arousal and desire. Of course, we kissed and French kissed and our hands were all over each of us. Her hands would often put my hand where she wanted it to be for maximum feeling for her. I slipped my middle finger into her soppy vaginal hole. She told me how to move it inside her to find her g-spot and feel her cervix. She kept stroking me, actually jacking me off and soon I came again. It shot all over her open pubes and I massaged it on her clit and her labia. I had her soaked and slick. She then rolled over on top of me and took my cock, still very hard, and put it in her pussy. I felt my sensitive glans penetrate her rippled pussy walls as they opened to let me in. I don't know what I was saying, if anything, but I know I moaned and ahhhed and pressed as deeply as I could with my 5 inches. She told me to rotate my hips. I tried and suddenly I banged something deep inside her. It made her cum and cum hard. She locked her legs tightly about mine as she kept yelling my name and "YES! YES! OH! MY GOD DON'T STOP!" Moments later I shot another shot of my semen, this time it was inside her as far as I could be. I groaned my release and then fell on her. We lay there panting and hugging and holding each other. Never have I felt more love for someone. I heard noise and noticed the door closing. Marcie must have seen what we were doing and didn't want to be discovered. Chapter 2 We slept off and on all night. One of us would wake up and continue making love and caressing the other. I would get hard and then slip inside her now semen filled pussy. She got off once in a while and would clasp on my cock. Her spasms seemed to draw me deeper into her. Our souls were now joined in mutual love. We kissed just holding our lips together and licking each others lips often. There was no more tongue fighting. It was just loving, sensual love between. I have never felt closer to my mother as I did then. Daylight awakened us and we were still locked in embrace. The bedroom door opened slowly and Marcie came in. She joined us on the bed noticing that my penis was lodged between mom's legs. I wasn't in her but resting in her slot. "Mom, Mom, wake up. Its late. Are you going to work and take us to school." Marcie asked. Mom woke up and realized that she was wiped out from lack of sleep and that it was too late to get ready for work and school.. "No, Marcie, Mommy's not going to work today. It's Friday and I can take a sick day and you can miss school today." "Yippee," Marcie yelled. Mom got up and put on her nighty without panties. She helped me up and Marcie's eyes got wide as she saw the crusty white stuff on my cock and hair. She rubbed her little pussy too. "I need to shower. Would you like to shower with me?" I asked. "Oh yes" she replied. "but what will mom say?" "I don't think she will mind. We've both had our talk with her and I think we all know all about each other now. Huh?" "Yes, I know that I have a funny feeling in my pussy. That was so cool seeing you lying with mom." Marcie added. I took her hand and led her with me to the bathroom. "MOM?" I yelled. "Marcie and I are going to take a shower." "OK" she replied I got our towels and washcloths and set the water temperature. I helped Marcie off with her nightgown and we both entered the shower. I got the body soap and squirted some on her and with my hands began washing her. I made sure her breasts were spotless and her little nipples erected and got all pointy. She then squirted some on me and rubbed all over me getting me all slick with the soap. She paid a lot of attention to my cock and balls. She washed them and rubbed her soapy hands all over my hard-on. She massaged my balls and made sure the hair was clean. We kissed and generally loved each other with our hands and kisses. Mom came into the bathroom and opened the shower curtain. "Oh that's so sweet that you are taking care of each other. I know that feels good to both of you. I just wanted to say that Jamie, you should not try and put your penis in her just now. I need to get you some sensitive condoms. This is the beginning of her dangerous time and we don't want any accidents. Marcie, next month I'll take you to the doctor and see if he will put you on the pill to regulate your periods. Then if you and Jamie get together you will be protected and he will get full enjoyment. In the meantime, enjoy your shower and call me when get out. I will fix us breakfast as I think we all need it." Mom went on. A few minutes later after I had rinsed her off and she did me, we called to mom and let her know we were drying off. We dried each other. I put some of mom's smelly stuff on Marcie and she put some of dad's aftershave and cologne on me. We then dressed each other. I loved pulling up her panty and feeling it to be sure it was on correctly. We kissed often and then went to the kitchen. Mom had gotten dressed. She was wearing a plain housedress with buttons up the front. I could see she wasn't wearing her bra and I think she didn't have on panties but I really couldn't tell. She looked awesome to me. After breakfast and our conversation we all helped get the dishes washed and dried then we retired to mom's bed. It seems I guess right as mom put on a pair of her bikini panties, pink in color. "We are going to the store, kids so get your shoes on." She said. We piled into the mini-van and soon we were at Walgreens. Mom got a buggy and began shopping. She picked up some aftershave/cologne for me that I liked. Then she found the condoms. After much looking she finally chose Lifestyles Ultra-sensitive and Astroglide lubricant. She found the K-Y warming gel too and put that into the cart. She kept looking as Marcie and I passed glances at each other wondering what all mom was up to. She then found contraceptive jelly and foams and such. After much reading she took one and went to the Pharmicist. She talked with him about the products and on his advice went back and chose the jelly type and a small diaphragm. No prescription was needed here so she bought the smallest one available thinking it would be the correct one for Marcie. She also picked up some Midol and some other things including pads and tampons sized for Marcie. She also got some for herself. We then went to the checkout and purchased everything. On our way home we passed the doctor's office and mom stopped and went in. She came out with a smile on her face. Marcie had an appointment for 10 days hence. She also got to speak to the Doctor's assistant. She had purchased the correct product for Marcie until she could get her on the pill she told us. When we got home, there was a package from UPS at the door. I carried it in and mom told me to open it. It was a queen size airbed mattress and an electric pump to inflate it. We laid it out on the living room floor and inflated it. Then we all laid on it. It seems we inflated it too hard. We let out some air and mom put a mattress pad and a fitted sheet on it. We all kissed and began making love to each other. Mom then took her purchases and explained each of them to us and said, "You will be taught how to put on a condom and how Marcie can put it on for you. Marcie after you have lost your virginity then we will teach you both how to use the diaphragm, jelly, and sponge. Until then, Jamie will use a condom or you, Marcie, will be in your safe period and he can go bareback. You will like him bareback but for now I think it is time you both lie here and make love. Jamie, you and begin." Mom said. Marcie and I lay there kissing and whispering to each other. Finally, she reached over and took my tee shirt off. We kissed and she kissed my nipples as I caressed her breasts. I soon had my hand on her pussy through her shorts. She then unzipped my shorts and removed them from me. I was naked now and she leaned over and kissed me, "Jamie? I love you." She said as she caressed my cock and balls. I instantly arose to the situation. Mom watched expectantly to see how I would react. Then she got up and returned a few minutes later with a tub of hot water and dad's shaving kit. "Jamie? I am going to shave the hair off your pubes so you look like Marcie and me. Marcie has no hair there yet and we will shave her when she gets some." Mom said. I looked up incredulously and surprised. She instructed Marcie what to do. Marcie then took the sponge and dipped it in the hot water and wet my cock and balls. Mom had put a large folded bath sheet under me to absorb any water. Marcie gingerly wet my hair while mom took the battery powered beard clippers and put the little plastic attachment on it. Then she began clipping all the hair away. It was now very short and while I lay there she saw some on my chest. She clipped it all off too. Then she removed the plastic attachment and slowly clipped all the remaining hair from my chest and mu pubes. Marcie washed me again with the hot water. We kissed as mom put the shaving gel on me. She was very thorough and explained to Marcie how it was important to get it all over and down to the skin. Marcie did my chest and mom did my pubes. My cock was erect and hard. My balls were excited but not churning. Mom then took the razor and wet it in the tub of hot water. She began slowly stroking from my belly button down to the base of my cock. Stroke after stroke the hair came off. There was no scraping or hurt. It felt really nice and Marcie said, "It looks bigger, Mom without all that hair." Mom kept at and soon had the upper area clean. Now she lathered my cock shaft and gently shaved it. Then she did the same with my balls. She stretched the skin flat as she chaved it bare. Then she did the area between my butt and balls. She handed the razor to Marcie and told her to shave my chest and to be careful around my nipples. While Marcie began, Mom rinsed and dried me off. Then she put some moisturized cream on the shaved areas. It was soothing and warm. I watched Marcie closely as I could as she shaved my chest. I didn't have a lot of hair there but now I was again bare like a young boy. I looked good I thought. Mom rinsed me and dried me. Now it was Marcie's turn. She only has maybe three hairs on her pubs but I got the honor of lathering her and shaving it all. I enjoyed putting the lather on her. She felt so soft and her petals opened a little bit as I caressed it. Then I put a new blade set in the razor and shaved her as mom had shaved me. I think there may have been peach fuzz there but now there was nothing but her soft skin. After I rinsed and dried her, Mom put moisturizer on her pussy and she massaged it in. Marcie lay there and moaned in ecstasy. Mom carried the shaving stuff away and left us lying there naked on the airbed. On a whim, I leaned over and kissed Marcie's breast and licked her nipple. My hand began caressing her mons and she willingly spread her legs giving me access to my touches. I continued sucking on her breast and the little valley between them. Mom came back in and saw what I was doing and sat down to see what further I would do. She hadn't done and oral things with me other than some kissing and sucking on my nipples. We had just made love with my penis in her hot pussy. I leaned up and gave Marcie a deep sensual loving kiss, "I love you Marcie." And continued to kiss her and caress her mons. I had read things on the internet on those porn sites and had read some stories from ASSM too. I kissed her chin as she responded with, "Jamie, I love you so much too." I kissed and licked my way down her body until I found the top of her split. There I found a little nubbin and on examination it looked a lot like the head of my penis. I gave it a little lick and Marcie jerked. "AHHHH...Ohhhh Yes" she expounded. I kept licking and then drew that nubbin into my mouth and sucked on it. She thrust her mons to my mouth and began moaning this weird sound. It must have been something to see but I couldn't. I was too busy enjoying doing this to her. She began expelling this musky tasting fluid and elixir. Mom got down on her knees and began hold her daughter as I made love to her. Mom whispered some things to her that I couldn't hear. Marcie's butt was off the mattress holding tight against my mouth. I put my hands under her butt to hold her up too. I mmmmmmmmed her smashing my face side to side all around and between her legs. It was then that I realized she was soaked and I gave her a big lick with my tongue actually entering her hole. Without thinking about the consequences, I held her legs steady as I took hold of my very hard cock and swiped it in her slit gathering her wetness on my cock. Mom was busy soothing her and making it nice for her as she was being made love too. My cock was now very slippery and I positioned it at her entrance. The feeling on my sensitive glans was almost more than I could stand. It felt much like when Mom had put it at her entrance then she pushed. Well, I pushed and my cockhead was now lodged in Marcie's little vagina. I was resting on her hymen when mom suddenly realized what was happening. At that moment, Marcie thrust up and I lost my balance momentarily and my cock penetrated her deeply. "AHHHHH OWWWWWW!!!!" Marcie screamed. Mom covered her mouth with her own to keep the sound from alerting the neighbors. They kissed as lovers and I thrust one more time. My cock was fully instilled in her and I held it there. Her vagina was so tight and was rippling a feeling I would not soon forget. Marcie was now moaning softly, and mom realizing what was happening, and not wanting a pregnancy on her hands, pushed me off of Marcie. Marcie moaned, "NOOOOOOoooo" as my cock plopped out of her still hard and angry looking. "Shhhhhh,, Marcie... It'll be Ok..." mom said as she got up. She ran to the bedroom and got a condom. She had it ripped open when she got back. I was stunned by the dislodgement and was trying to get back in Marcie's pussy. Mom took hold of my cock and unrolled the condom on me and then positioned me. I thrust into Marcie again. Marcie moaned, "YEEESSSSSS... OHH Yesssss!!!" as I plummeted her tightness. I rotated my hips and felt these new sensations. I rolled over to keep from squashing her. She lay on me now and she was doing most of the moving. She was doing everything she could to get maximum enjoyment from her deflowering. I held her close and pushed her into a sitting position. She screamed with the deepness of the penetration and she fell forward onto me. I felt her heat through that thin condom and I soon climaxed into it. She felt it too and I kissed her muffling her moans and cries of joy. She climaxed too about that same time. After some quieting motions we just lay there content on each other. She wasn't heavy on me so I let her lie there holding her and caressing her back. I even caressed her butt crack a few times causing her to thrust on me. My cock flicked itself inside her and she winced and squeezed back. After some time she rolled off me and we lay side by side. We were still breathing hard when mom reappeared and said she needed to prevent a pregnancy. She took the contraceptive jelly and putting some on her finger applied it to her pussy and then squirted some into her pussy. We all just lay there for a time lost in our own thoughts. Chapter Three. We must have napped. We woke up and we were covered with a bath towel. Mom called to us and had us get up and put on some clothes. We had something to eat when Mom said she was going to teach Marcie how to put the diaphragm in her until such time as she would be on the pill. I got to watch as mom showed her. I knew that my life was changing and that I would be getting a lesson in love that I would never forget. Later Marcie came to me and sat beside. "Jamie?" she said, "Thanks for making love to me earlier. It was nice and I loved it. I will want to do it some more. I want to do it all the time too. Mom has told me that for now I need to let me heal a little. I am still a little sore inside there." "Marcie, I love you so very much. I am sorry I hurt you but I honestly tried to go easy on you, but my body had other ideas." We hugged and kissed as mom called us to dinner. After dinner we played the board game of LIFE. Mom changed some of the titles on the squares as we played and soon we had a sex version of LIFE. At bathtime, Mom drew us a tub full of water and Marcie and I sat together in the tub. It was fun in the chest high water. We played and then she sat on my lap. My cock got hard but mom cautioned us not to put it inside her pussy. Marcie is very close to her fertile time. We bathed each other taking care with each other's genitals. As we stood to dry off, mom got in with us and we took turns washing mom. She let us each shave her pussy and legs. I noticed that her labia hung down much more than Marcie's. Afterward we all went to bed. I went with mom to her bed and Marcie to hers. We both were naked and once in bed mom took my cock and began caressing it and then she sucked it. Needless to say, I loved it and thrust deep into her mouth as she ministered to me. It wasn't long that I exploded into her mouth. I rolled her over and gave her pussy a mouth loving she won't soon forget. It was as loving as I had given Marcie earlier. We fell asleep exhausted from the day's activities. We each awoke during the night and my cock was soon buried balls deep in her loving pussy. It felt nice to me to be bareback inside her. My cock felt like it had grown this day. I would have to measure it tomorrow. At daybreak Marcie awoke and came into mom's bed with us. She played with us both but I was good and didn't try to enter her pussy. I did play with it and lick her and kiss it. We all napped too. Since it was Saturday we slept very late. Over the next two weeks, Marcie had her doctor's appointment and was put on the pill. The doctor checked her diaphragm for fit and made sure she knew how to prepare it and put it in. She got very good at it. We all had our video conferences with Dad weekly and we sent him pictures of us loving each other. They were censored so nothing showed but he got the message. The insurance company sent an architect over and we chose our new house to be built on the old property. They paid for the cleanup and rebuilding. It turned out that we had full replacement coverage and the old house was insured for $350,000 and we had $80,000 contents insurance. We still had to live in the rental until it is complete and the closeness of sleeping with my sister makes it all worthwhile now. In fact, we will continue in our new home as we share a full bathroom with two sinks. I cannot wait. It will be so good to see dad again too. We have a lot of catching up to do with our love of hunting and fishing and playing hoops. -=-=-=-=-=-=-=-The End-=-=-=-=-=-=-=-