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No such temptations for the Hardisons, among others: those prosperous, high-energy Annapolis lawyers whose Rockfish Reach palazzo was the second most expensive casualty of the storm. They want the status quo ante restored as quickly as possible, not only at their Loblolly Court address but in all of Heron Bay Estates, so that they can get back to their weekend golf and tennis, their costume parties, progressive dinners, and Chesapeake cruising on their forty-foot trawler yacht, Plaintiff's Complaint. While for the elderly Beckers (who have flown up from their winter retreat on Florida's Gulf Coast to attend this meeting), the question isn't whether to rebuild what had been their primary residence on Rockfish Reach's Cattail Court or to build or buy another elsewhere in the area, but whether instead to give up altogether their annual snowbird migrations between two houses, shift their primary domicile to state-income-tax-free Florida, and escape it's sweltering summer season on cruise ships, Elderhostel tours, and such — including, for Sandy Becker especially, frequent Stratford revisits to keep in touch with her many Episcopal church and Heron Bay Club friends.

Nor any such options and luxurious dilemmas for us reasonably well-off but by no means wealthy Simpsons, Bergmans, Greens, Franks, and Newett/Todds, whose wrecked houses and ruined possessions were our only such, and who've been reduced to making shift as best we can in generally inadequate temporary lodgings — motel rooms, in some instances — in small-town Stratford while still reporting daily to our company workplaces, our college or other-school classrooms, or our improvised laptop-and-cell-phone "home" offices. For pity's sake, cry we, let's get old HBE up and running, however rudimentary it's resurrection! And the same goes in spades for those elderly widows and widowers like Rachel Broadus, Reba Smythe, and Matt Grauer, who had been managing well enough, all things considered, in their Shad Run condos or Oyster Cove villas, but are now renting unhappily like us or squatting with their grown children, and in either case wondering whether the time has come for them to pack it in as homeowners and shift across the Matahannock River to TCI's Bayview Manor Continuing Care Community.

End of overextended Exposition. Back to you, Peter?

"Okay," that ever-reasonable fellow declared to the assembled, glancing at his agenda notes and tapping the microphone again to end their memorial Moment of Silence: "Let's start again — which of course is this meeting's agenda exactly." Comradely grin; stroke of close-cut gray-black beard. "The questions are Where, and How, and To What Extent, and In What Order we do whatever we end up deciding to do." Sympathetic head-shake. "I quite understand that most of you have your hands as full as Debbie and I do, squatting in temporary quarters while we deal with insurance adjusters" — boos and hisses from here and there, not directed at the speaker—"and scrabble around to make do while trying to keep up with our jobs and all. It's overwhelming! I want to emphasize that what each of you does with your damaged or destroyed property is entirely up to you, as long as you bear in mind HBE's covenant and building codes. All rebuilding plans for detached houses need to be cleared with our Design Review Board, obviously, just as they were back when those neighborhoods were first built. The condominium and villa and coach-home communities we presume will be rebuilt pretty much as before — assuming they are rebuilt — by a general contractor selected by each of the neighborhood associations, and the plans passed along to H-Becka, whose unenviable job it'll be to coordinate and monitor the several projects. Reconstruction of the Heron Bay Club and the Marina Club and piers will be up to each one's board of governors, subject to the same review protocols. And TCI, I'm happy to report, will be standing by to advise and consult on HBE's infrastructure and on any changes we may want to make in it's overall layout — even though it's our baby these days, not it's original developer's."

He paused, glanced around the hall, readjusted his eyeglasses, and returned to his notes. "I know that several of you have ideas and proposals for a 'new' [finger quotes] Heron Bay Estates, while others of you would be more than content to have things put back as much as possible the way they were before. It's important for you to understand that this meeting is for preliminary input only, not for any final decisions. And some kinds of things can be put off till we get our homes rebuilt and reoccupied — may the day come soon! But even in that department there may be some suggestions that we ought to be considering as we plan our repairs and reconstruction. So the floor's open, folks: We'll make note of any and all proposals, talk 'em over in committee, and report back to you at our next open meeting. Let me remind you that you can also make written suggestions and comments on the H-Becka website." Smile of invitation. "Who wants to go first?"

Several hands went up at once, among the neighborhood representatives (my wife's, for one) and in the general audience (among them, mine). Before the chair could call on any, however, Mark Matthews heaved to his feet, turned his ample dark-suited back to Peter Simpson, and loudly addressed the halclass="underline" "Friends and neighbors! Mark Matthews here, from Spartina Pointe and the Baltimore office of Lucas and Jones — an outfit that knows a thing or two about turning setbacks into opportunities, as Joe Barnes yonder, from our Stratford office, can testify. Am I right, Joe and Judy?"

In a fake darkie accent, "Yassuh, boss," the male of that couple called back. A few people chuckled; his wife, sitting beside him, did not. Nor did Pete, who raised his eyebrows and stroked his chin but evidently decided not to interrupt, at least for the moment, this interruption of normal meeting procedure.

"Now, then! Mindy and I personally haven't made up our minds yet whether or not to rebuild our Spartina Court place, but I can tell you this, folks: The current downturn in the housing market — all those contractors hungry for work? — is such a golden opportunity for all hands present that if TCI isn't interested, Charlie Becker and I might just get into the construction racket ourselves! You with me there, Chuck?"