Mrs Pincus and I spent the first couple of years of our marriage living in a small townhouse apartment in Northeast Philadelphia. We had accumulated a small savings in the bank with regular deposits of our meager paychecks. One day, Mrs. P, who maintained and monitored our finances (because we certainly didn't want me taking on that responsibility, seeing as I have difficulty with any equation whose answer is more than double digits), brought up the possibly of purchasing a house. I was puzzled by the idea at first. After all, I was just 24 years old and buying a house was something that adults did. Even though we were married, I still viewed us as two crazy kids. For goodness sake, we still frequented Chuck E. Cheese, despite not having any children of our own. We attended performances of Disney on Ice. We even went to the circus in full clown make-up. Are these the kind of people who buy a house? Well... we would soon find out.
We did things in the proper order. We looked at a number of houses in Elkins Park, the suburban community where Mrs Pincus grew up. Elkins Park is a lovely little area known for its classic architecture, close proximity to public transportation and ridiculously high property taxes. After seeing a few potential homes, we chose one and made an offer... which was promptly accepted. Our next step was to gather all of the required forms and receipts and paycheck stubs and tax returns to prove to a financial institution that these two youngsters could be responsible for a mortgage. We submitted everything that was asked and we waited. Eventually, we were approved for a mortgage and we had to go to a big, sterile looking office to sign the final paperwork.
A young woman — a secretary — led Mrs. P and I to a room and we were offered seats at a large table. The secretary returned with a comically huge stack of paper, which she plopped down on the table's surface. She then informed us that the mortgage officer would be joining us momentarily. True to her word, the doorway was soon breached by an expressionless man in a very conservative business suit. (If I recall correctly, he resembled actor Joseph Maher, who portrayed a drunk airplane passenger in a Season Three episode of Seinfeld.) The man introduced himself as "Mr. Cassidy" and he extended his hand for the the obligatory shake. As Mrs. P shook Mr. Cassidy's hand, she smiled and proudly stated that we have a cat named Cassidy. (Our "beloved" pet was just one in a long line of cats that we would own whose names were inspired by the titles of Grateful Dead songs. Cassidy was a beautiful tabby cat with very distinct striped patterns on her sides. She had the disposition of someone with a perpetual toothache and she liked to sit on high shelves and push knick-knacks off to watch them shatter on the floor.) Our assigned mortgage officer — in his starched white collar and equally starched demeanor —was less than thrilled to hear about his feline namesake. With the exception of an ever-so-slight grimace, Mr. Cassidy did not acknowledge my wife's comment. Instead, he removed the top sheet of paper from the stack and pushed it in our direction, pointing our where we were to sign. This procedure was repeated over and over for the next 90 minutes until the stack of paper was reassembled in reverse order, now boasting the Pincus signatures on the majority of its pages. Mr. Cassidy thanked us, begrudgingly congratulated us and left the room. We were now officially members of that exclusive club and heretofore would be known as "homeowners."
Flash forward to today — forty years after two crazy kids signed on to become homeowners. Today, we were just approved for a home equity line of credit. This procedure differed greatly from the very tactile experience of gathering hard-copy documents to present to an actual face-to-face person at a desk in a brick-and-mortar bank. This time around in the age of the internet, electronic documents were uploaded to a secure website with instructions from faceless people working from various locations across several states. We were assigned a specific online portal with passwords and two-step verifications and several other security measures that weren't even dreamed of when we applied for our mortgage. During this application process, Mrs. Pincus received an actual phone call from an actual human being. In this rare case, she needed to clarify some minute piece of information that was previously submitted. The woman on the phone identified herself as "Cassidy" before proceeding to explain the reason for her call. Mrs. P laughed and interrupted. The woman asked what was funny.
Mrs P told her about our mortgage application. She told about the staunch gentleman who presided over the mass signature process on the day of closure. She told the woman on the phone — Cassidy — that the man's name was "Mr. Cassidy." Mrs. P explained that — at the time we had a cat named "Cassidy" and the little anecdote about name similarity did not amuse Mr. Cassidy in the least. The "Cassidy" currently on the phone, however, giggled. She said she thought the story was sweet. She even momentarily dispensed with any sort of financial conversation to find out more about the origins of the "Cassidy" name. Mrs. P was only too happy to expound on the Grateful Dead connection. She mentioned that the song "Cassidy" is a beautiful acoustic ballad that was rarely performed by the band (339 times as opposed to "Playing in the Band" which was performed nearly 700 times. This is for your benefit. These facts did not make it into the Mrs. Pincus/Cassidy phone exchange.) Cassidy thanked Mrs. Pincus for the information. She also said that she would seek out the song on YouTube during her lunch break. Quickly, the conversation switched back to the request of clarification of some financial document. Before the call ended, Mrs. P noted to Cassidy that our experience as homeowners had come full circle — beginning and concluding with a "Cassidy."
Our "Cassidy" — gone over thirty years — would be happy. She'd knock something expensive off a shelf in celebration. Then, she'd bite me.
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