A family we report on this week has a house that survived a fire. Walls standing, roof intact. Their insurance renewal comes due in nine days and the premium has tripled. Renewing preserves the option to stay, but the money it costs is exactly what they'd need to relocate. They talk about it every night and haven't decided. That's what this whole issue kept becoming: stories about the deadline quietly making the choice while you're still working out what you want.