A Rising Tide Page #4

I wait for the insurance money?

We would have been finished.

- The insurance

came after a month.

- It came after six.

After the recession hit

we started losing money.

I thought things would turn

around in a year or so, but

they didn't.

And then that damn storm hit.

I had to take out a loan.

Put the business

up for collateral.

I knew you wouldn't let me,

so I told you the money came

from the insurance company.

When the insurance check came,

it covered only half the cost.

I didn't want either of

you to know how bad it was.

It's gonna be okay.

You're gonna have to lay

off some of the part-timers,

the rest get a 10% cut,

and no more overtime.

- 10%?

- If we can re-finance,

make some sacrifices,

we can get through this.

- I'm sorry, but the request

for a loan modification

has been denied.

- What?

- We can make the payments.

- The loan is more

than 90 days past due.

We have the right to

collect immediately.

- What does that mean,

"collect immediately"?

- The business was

put up as collateral,

so we will assume

ownership and liquidate it.

- That's outrageous.

- It was in the

contract you signed.

- You will make less money than

if you just let us

make the payments!

- I'm sorry, that is

the bank's decision.

- Well then I want

to talk to a manager.

- He'll tell you the same

thing, the decision is final.

- You better believe the

Better Business Bureau

is gonna hear about this,

and our congressman.

This is unheard of behavior.

And you should be

ashamed of yourself.

It's no wonder the

small businesses

in this town are

packing up and leaving.

I have shown you the numbers,

we are a viable business!

This is the kind of place

this community needs.

- Dad said he'd

mortgage the house,

Roger doesn't want the money.

I mean this is gonna kill

my dad, maybe literally.

We tried to get into Roger's

office, he wouldn't talk to us.

Will you talk to him?

- And say what exactly?

- I don't know, but

he'll take your call,

'cause he does

business with you.

- Sam, I want to help, but I

don't know what I could say.

- Maybe if you told him that

unless he modifies our loan,

you won't go through

with the deal.

Sam.

We signed a contract.

To be honest this hasn't

been a very good year,

I kind of need to

make this deal.

- What happens if

you don't do it?

You lose business,

you lose your house?

You said you, you

rebuilt after the storm,

and you, you wrote a check.

My family lost

everything we had.

- Yeah, I wrote a check.

And you know how

I could afford to?

By not writing the wrong ones.

I'm not running a charity,

and I got a lot of money tied

up in this deal, and you're

asking me to dump it for what?

To help a restaurant

that's already gone under?

To help a guy who

took a catering job,

and wound up in a

fist-fight with his client?

Look, I'm sorry if

this sounds harsh,

but I'm a business man

and this is business.

- I know, I'm asking a lot,

and I'm sorry, but I have to.

'Cause this is

everything for my family.

Please.

I'm sorry, son.

You're asking for

something I can't do.

- Okay.

- Here.

- This what you

were saving it for?

- I was saving it for my

retirement, so maybe.

I haven't lived a

day without that

building being in our family.

When I was growing up

your granddad fixed

it my head that this was

the land of opportunity.

This city is full of

people who think they're

gonna hit it big one

day, how many of them do?

Those things get

bigger and bigger.

The rest of us?

Here's to the house!

- Hello?

How could you do that?

- It was a business decision.

- That was not a business

decision, and you know it.

You're ruining these

people's lives over a look.

- You haven't looked at me

like that in such a long time.

- Roger, nothing happened.

I didn't do anything.

I don't want to hurt you.

- I'm sorry, I'm confused.

You didn't do anything

'cause you don't want to,

or you didn't do anything

'cause you're not allowed to?

Which is it, Sarah?

- Roger.

- Come on you wanted

it to, just admit it.

- Roger, I want us!

I want us to feel right.

But we don't.

Are you happy,

with me, right now?

- Yeah, yeah, of course I am.

- Truly?

- Yeah.

- Huh.

Because I'm not.

I'm not happy.

And I don't think that

you are either, because

you couldn't be, and do

what you did to that family.

- I made my own decision,

I don't regret it.

And if you can't do that, then

you need to figure

your sh*t out.

- I think we need to

spend some time apart.

- Sarah?

- I think we should separate.

Officially.

- Just sit.

Hold on, hang on, you

don't want to do this.

- I do.

I'm sorry but I really do.

- What are you doing here?

- Tom told me what happened.

I'm so sorry.

- That is not your fault at all.

Want a drink?

- Understatement.

- I always had a plan.

Everyday I woke thinking

of my restaurant.

Thinking of the next

step to get there.

And now,

nothin'.

I saw that in my dad, too.

Everyday of his life

he had that restaurant.

And today, part of

him was just gone.

And I used to think

more than anything

that I was different than him.

We're the same.

Exactly the same.

Sh*t, what'd I miss?

- I was thinking,

about you, your dad.

Maybe your old place is gone,

but what if you

opened up a new one?

- It takes a lot.

It takes...

- Money?

- Yeah.

- Can this get you started?

- I can't take that.

- You can.

You can use it to start over.

- Sarah, that's really

generous, but I can't take it.

- You had more than that

taken away from you.

Please take it.

I kind of need you to take it.

- What about Roger?

- It's my money.

But it's from our joint account,

so you might want

to cash it soon.

Like, today.

I feel like a teenager, sneaking

out of your parents' house.

- Sorry.

- Don't be, it's

kind of awesome.

- Hey.

- Hmm?

- Thank you.

Ah!

- Who was that?

- Why is there

always someone there?

- You brought a girl here.

- No, it's not like that.

- Oh, you're lucky your

mom's not here to see that.

- Where'd she go so early?

- Work.

- What?

- She took a job

as a bookkeeper.

- That was fast.

- Came as a surprise, but

she has friends there.

So,

what's it like with this girl?

- I want to talk

to you about that.

Thanks.

- Take all the time you need.

- It's not by the water.

- No, no it's not by the water.

Which means less storm damage.

It's also the reason

Josh is willing

to rent it to us for so little.

- If he couldn't make it here,

what makes you think you can?

- I think he was

going for Asian Fusion

in a neighborhood that's

about seafood, comfort food.

They gave it a year,

it didn't work out.

Happens to the best of us.

- I like the bar.

Would this be your

place or mine?

- It could be ours.

- Yeah, hotel's good?

- It's alright.

I set up a few things.

- It's weird not

having you in the house.

- I know, I'm sorry,

but this is what we

need to do right now.

- How long?

- I don't know,

maybe for a while.

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