THE SUN'S DOWN by the time we leave evening meetings. It's been a long first day and things will grow tougher from here. I head to my apartment for dinner and my bed. Carma will have something waiting for me. She's my housekeeper, primary cook, and shopper. She does all the things my mom made me do myself when I was at home. That's why I love Carma so much. She doesn't mind taking care of a man who is more than capable of taking care of himself. She's in her sixties or I might consider marriage just to lock her into the position. The elevator takes me to the tenth floor. There are two large apartments on this floor. A banker owns the other and we occasionally pass in the corridor with a brief hello. I'm new money and he's old. He's rarely here and only uses the apartment to stash his late