It’s so cold when I get home from work, twelve degrees according to my car’s thermometer, and windy. The snow crunches underfoot as I walk to the front door. The kitchen is chilly too, but I’m distracted, wondering if this would be a good time to call the bank and try to recover $250 that disappeared from my checking account. I put on a sweatshirt over my work shirt and realize I’m wearing my winter hat.