Month: February 2022

Skeletons in the closet, and doppelgangers

A story called “Mistaken Identity”

…

How many of us have skeletons in the closet that we know nothing about? The skeletons we know about generally stay there, but those we do not, well, they have a habit of coming out of left field when we least expect it.

In this case, when you see your photo on a TV screen with the accompanying text that says you are wanted by every law enforcement agency in Europe, you’re in a state of shock, only to be compounded by those same police, armed and menacing, kicking the door down.

I’d been thinking about this premise for a while after I discovered my mother had a boyfriend before she married my father, a boyfriend who was, by all accounts, the man who was the love of her life.

Then, in terms of coming up with an idea for a story, what if she had a child by him that we didn’t know about, which might mean I had a half brother or sister I knew nothing about. It’s not an uncommon occurrence from what I’ve been researching.

There are many ways of putting a spin on this story.

Then, in the back of my mind, I remembered a story an acquaintance at work was once telling us over morning tea, that a friend of a friend had a mother who had a twin sister and that each of the sisters had a son by the same father, without each knowing of the father’s actions, both growing up without the other having any knowledge of their half brother, only to meet by accident on the other side of the world.

It was an encounter that in the scheme of things might never have happened, and each would have remained oblivious of the other.

For one sister, the relationship was over before she discovered she was pregnant, and therefore had not told the man he was a father. It was no surprise the relationship foundered when she discovered he was also having a relationship with her sister, a discovery that caused her to cut all ties with both of them and never speak to either from that day.

It’s a story with more twists and turns than a country lane!

And a great idea for a story.

That story is called ‘Mistaken Identity’.

Read an extract tomorrow.

What means this ‘every cloud has a silver lining’?

People use this expression a lot, and despite their best intentions, what does it really mean?

Perhaps, literally, it means that bad times are like dark clouds, blocking out the sun, but we can see the lights rays behind them, and that is the silver lining.  This seems to be the most common explanation.

Where did it originate?

It is said that John Milton used the phrase ‘silver lining’ in his ‘Comus: A Mask Presented at Ludlow Castle in 1634, but it was not until much later, in Victorian England that it was expressed in more uplifting language in The Dublin Magazine in 1840, in the review of a novel, Marian; or, a Young Maid’s Fortunes.

But, figuratively, we like to think that in the event of something bad happening, there will always be something better to come from it.

It probably goes hand in hand with two other interesting expressions, things can’t get any worse, maybe because I’ve hit rock bottom.

Of course, in the first instance, you say things can’t get any worse, but they generally do, as in bad things happen in threes.

We tend to believe, for whatever reason, that if it has happened twice then it’ll happen again.  So, while we may think lightning never strikes twice in the same place, in fact, it has.  What are the odds it’ll happen to me?

Then, misfortunes never come singly, which tends to suggest that bad events or situations always come in groups.  That’s why when one person dies, it’s unfortunate, two people die, it prompts the notion that there will be another.

We always hope it doesn’t, but we are not necessarily surprised if it does.

In the second instance, rock bottom is said to be caused by poor lifestyle choices.  Can you go any lower, supposedly not, but…

There’s another saying which came out of an old movie I was watching one night, very late, and that was ‘he’s lower than a snake’s belly in a wagon rut’.

Wow!

Just saying.

To compound this line of thought, let’s add one more, ‘It never rains, it just pours’, with several variations on the wording, but the intent is the same and suggests that unfortunate events happen in quantity.

Sadly, it happens more often than not.

 

 

 

 

An excerpt from “If Only” – a work in progress

Investigation of crimes don’t always go according to plan, nor does the perpetrator get either found or punished.

That was particularly true in my case.  The murderer was very careful in not leaving any evidence behind, to the extent that the police could not rules out whether it was a male or a  female.

At one stage the police thought I had murdered my own wife though how I could be on a train at the time of the murder was beyond me.  I had witnesses and a cast-iron alibi.

The officer in charge was Detective Inspector Gabrielle Walters.  She came to me on the day after the murder seeking answers to the usual questions when was the last time you saw your wife, did you argue, the neighbors reckon there were heated discussions the day before.

Routine was the word she used.

Her Sargeant was a surly piece of work whose intention was to get answers or, more likely, a confession by any or all means possible.  I could sense the raging violence within him.  Fortunately, common sense prevailed.

Over the course of the next few weeks, once I’d been cleared of committing the crime, Gabrielle made a point of keeping me informed of the progress.

After three months the updates were more sporadic, and when, for lack of progress, it became a cold case, communication ceased.

But it was not the last I saw of Gabrielle.

The shock of finding Vanessa was more devastating than the fact she was now gone, and those images lived on in the same nightmare that came to visit me every night when I closed my eyes.

For months I was barely functioning, to the extent I had all but lost my job, and quite a few friends, particularly those who were more attached to Vanessa rather than me.

They didn’t understand how it could affect me so much, and since it had not happened to them, my tart replies of ‘you wouldn’t understand’ were met with equally short retorts.  Some questioned my sanity, even, for a time, so did I.

No one, it seemed, could understand what it was like, no one except Gabrielle.

She was by her own admission, damaged goods, having been the victim of a similar incident, a boyfriend who turned out to be a very bad boy.  Her story varied only in she had been made to witness his execution.  Her nightmare, in reliving that moment in time, was how she was still alive and, to this day, had no idea why she’d been spared.

It was a story she told me one night, some months after the investigation had been scaled down.  I was still looking for the bottom of a bottle and an emotional mess.  Perhaps it struck a resonance with her; she’d been there and managed to come out the other side.

What happened become our secret, a once-only night together that meant a great deal to me, and by mutual agreement, it was not spoken of again.  It was as if she knew exactly what was required to set me on the path to recovery.

And it had.

Since then we saw each about once a month in a cafe.   I had been surprised to hear from her again shortly after that eventful night when she called to set it up, ostensibly for her to provide me with any updates on the case, but perhaps we had, after that unspoken night, formed a closer bond than either of us wanted to admit.

We generally talked for hours over wine, then dinner and coffee.  It took a while for me to realize that all she had was her work, personal relationships were nigh on impossible in a job that left little or no spare time for anything else.

She’d always said that if I had any questions or problems about the case, or if there was anything that might come to me that might be relevant, even after all this time, all I had to do was call her.

I wondered if this text message was in that category.  I was certain it would interest the police and I had no doubt they could trace the message’s origin, but there was that tiny degree of doubt, whether or not I could trust her to tell me what the message meant.

I reached for the phone then put it back down again.  I’d think about it and decide tomorrow.

© Charles Heath 2018-2021

The cinema of my dreams – Was it just another surveillance job – Episode 44

I’m back home and this story has been sitting on the back burner for a few months, waiting for some more to be written.

The trouble is, there are also other stories to write, and I’m not very good at prioritizing.

But, here we are, a few minutes opened up and it didn’t take long to get back into the groove.

Chasing leads, maybe

…

I leaned back in the chair and shuddered.  It was not so much the cold as the stark realization before me, well, before all of us really.

The USB was gone.

But it was going to be impossible to convince any or all of Severin, Maury, and Nobbin.  Or for that matter Monica.  None of them were going to believe the explosion in the café was a deliberate act.  

But it did raise a question.

“How did whoever placed the bomb in the café know you and your contact were going to be there, and, for that matter, that either of you might have the USB?”

O’Connell seemed lost in thought.  After prodding him, I asked the question again.  His hesitation seemed to suggest that what he’d told me might be a lie, or a half-truth because the more I thought about it, the more implausible it sounded.  The other side of that was, what did he have to gain by lying?  Of no doubt, there was more to this story.

“There are more people involved in this than what you know.  Dobbin had me looking into a biological laboratory, one that was reportedly doing research on cures for various coronaviruses, like SARS.  The thing is, they had a store of nasties they were using as candidates for finding cures.

“The laboratory had been getting funding from the military so that to me meant they’d been working on weaponizing one of those nasty viruses, but there had been containment breach leading to a review, and they lost their funding.

“That, in turn, leads to the head of the company seeking funding from elsewhere, and that it was going to be an overseas government institution, one which they claimed commercial confidence so the donor could not be released.  Of course, our intelligence services went into a spin, thinking the worst, that it was either Russia or the Chinese, or some other rogue regime, and if they got their hands on those candidates, well, you can imagine the paranoia.

“There was also the problem of hacking, where various countries and/or individuals are looking for information to use for their own benefit, or to sell to the highest bidder.  That as far as I can tell is what happened here; it was not a case of external hacking, this was internal by one of the staff, downloading sensitive information onto the USB and smuggling it out.

“As soon as the breach was discovered, it triggered an internal review, which had a member of the military on the panel, and it concluded it was one of three ex-employees.  Dobbin gave me the three names, and I tracked them down.  One of the three had stolen the data, but far from stealing it to sell to the highest bidder, he had stolen it to pass on to a newspaper reporter, the person I was going to see.

“He could see the information was not the sort to be disseminated to the general public and wanted it returned.  I was going to get it.

“So, in answer to your question, it was possible that someone else had done the same as I had after I had visited each of the three, and decided to deal with the problem decisively.  But it would have required planning and an organization with infinite resources to pull it off.  Top of my list is the owners of the laboratory, simply because, they were not interested in getting the copy back, and the fact they didn’t want to have any witnesses, which meant the reporter and had to be silenced.”

“And the person who stole the information?”

“Burned to death in a house fire.  The fire department concluded it was a gas leak.”

“Helped by a person or persons unknown.”

“Given the distribution list of that final report, unless Dobbin has been moonlighting as an assassin, there’s only one other name on the list.”

No need to say it out loud.  That left one question, and probably a hundred others that wouldn’t get answers.

“What’s it to do with Severin and Maury?”

“That’s not their names.  Severin is really David Westcott, and Maury is Bernie Salvin.  Both used to be in the security detail at the company about three years ago when several biological entities were being researched, both of whom were assigned by the military to keep an eye on their investment.

“When the accident occurred, they were reassigned, but I suspect, at the time, they knew exactly what had happened, and what is involved.  It’s not a leap to come to the conclusion they had a shift in allegiance and may have helped the person who stole the information because there was no way the person who stole it had the knowledge to get it out.

“It was not something he would tell me.  That, he said, if he told me, would sign his death warrant.”

Which it did.  Was the original thief killed before or after the explosion?

“Do we Assume Severin is the man in charge?”

“No.  They’re basically blunt instruments, given orders, and doing what they’re told.  We all are, to a certain extent.  This operation had someone else, someone far more clever, and connected.”

“But they did create a whole unit and train them in an existing facility without anyone knowing.”

“Is that you they told you?  And you believed them?  Nothing goes on in that place with an official sanction.  No.  Your operation was created on the books, but on the quiet so if anything went wrong, they could disavow any knowledge of it.  It went south and what happened?”

“They disavowed any knowledge of it.”

“And kept you on, only reassigned?”

“Those of us who survived, yes.”

“Then I suggest you watch your back and keep all of them at arm’s length.  You’ll only be useful until the USB is found, so you have to keep them believing it’s missing.”

“We’re not going to be able to do that forever.”

“No.  Which makes it imperative we find out who Severin and Maury’s bosses are and chop of the head.”

All while pretending he was dead.  Easier said than done.

…

© Charles Heath 2020-2021

The story behind the story – Echoes from the Past

The novel ‘Echoes from the past’ started out as a short story I wrote about 30 years ago, titled ‘The birthday’.

My idea was to take a normal person out of their comfort zone and led on a short but very frightening journey to a place where a surprise birthday party had been arranged.

Thus the very large man with a scar and a red tie was created.

So was the friend with the limousine who worked as a pilot.

So were the two women, Wendy and Angelina, who were Flight Attendants that the pilot friend asked to join the conspiracy.

I was going to rework the short story, then about ten pages long, into something a little more.

And like all re-writes, especially those I have anything to do with, it turned into a novel.

There was motivation.  I had told some colleagues at the place where I worked at the time that I liked writing, and they wanted a sample.  I was going to give them the re-worked short story.  Instead, I gave them ‘Echoes from the past’

Originally it was not set anywhere in particular.

But when considering a location, I had, at the time, recently been to New York in December, and visited Brooklyn and Queens, as well as a lot of New York itself.  We were there for New Years, and it was an experience I’ll never forget.

One evening we were out late, and finished up in Brooklyn Heights, near the waterfront, and there was rain and snow, it was cold and wet, and there were apartment buildings shimmering in the street light, and I thought, this is the place where my main character will live.

It had a very spooky atmosphere, the sort where ghosts would not be unexpected.  I felt more than one shiver go up and down my spine in the few minutes I was there.

I had taken notes, as I always do, of everywhere we went so I had a ready supply of locations I could use, changing the names in some cases.

Fifth Avenue near the Rockefeller center is amazing at first light, and late at night with the Seasonal decorations and lights.

The original main character was a shy and man of few friends, hence not expecting the surprise party.  I enhanced that shyness into purposely lonely because of an issue from his past that leaves him always looking over his shoulder and ready to move on at the slightest hint of trouble.  No friends, no relationships, just a very low profile.

Then I thought, what if he breaks the cardinal rule, and begins a relationship?

But it is also as much an exploration of a damaged soul, as it is the search for a normal life, without having any idea what normal was, and how the understanding of one person can sometimes make all the difference in what we may think or feel.

And, of course, I wanted a happy ending.

Except for the bad guys.

 

Get it here:  https://amzn.to/2CYKxu4

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In a word: Quick

Go get your stuff and be quick about it.

I’ve tried on many occasion to be quick, but it’s like my shoes have lead soles, or it’s like walking through water.

Perhaps I should just stop finding excuses and admit it’s old age and I am slowing down!

I’m guessing that in using the expressing the quick and the dead, I’ve got one foot in the grave.

But when you use the word quick it generally means moving fast or doing something at a rapid rate.

It could also refer to someone who picks up knowledge rapidly, that is to say, that boy is quick, maybe quick as a flash.

I’ve been cut to the quick. An interesting expression which basically means you’ve been hurt very badly.

It also makes reference to the more sensitive side to us, hence the above expression.

It has a more literal meaning, referring to the quick, under your fingernails, and you know how much that hurts when you cut the nail too short, or remove the nail from the quick.

And like most of us, I’ve been caught more than once in metaphorical quicksand.

It doesn’t pay to go near or test out what real quicksand is, but if you have to, make sure you tie yourself to an anchored rope first.

The cinema of my dreams – Was it just another surveillance job – Episode 17

As we all know, writing by the seat of your pants is almost the same as flying by the seat of your pants, a hazardous occupation.

As it happens, I like writing this way because like the reader, I don’t know what to expect next.

And equally, at times, you can write your self into a corner, much like painting, and then have to go back, make a few changes and//or repairs and then move forward.

It’s part of the writing process, only in this case, the changes occur before you’ve finished the novel, if you finish.  Quite often a lot of writers get only so far, then the manuscript hits the bottom drawer, to be brought out on a distant rainy day.

Or your cat has mocked your writing ability one too many times.

Therefore, we’re winding back to Episode 16, and moving forward once again, from there.

Why didn’t it surprise me that Nobbin was playing all ends against the middle if that was the expression?  What really bothered was that he wasn’t prepared to tell me the truth or trust me to help find the missing information.  But he had known I might become interested and do some investigating of my own.

Perhaps Nobbin feared Severin might track me down, as he had, and if I had found the USB, run the list of losing it to his foe.

Nor was it a surprise that someone else, namely Severin, was after the information, and he would have access to everything Nobbin did, and he was equally disadvantaged.  It was either Severin or one of his agents, that was caught in O’Connell’s flat and found ‘Josephine’ there.

I didn’t believe her name was Josephine, or that she lived in the flat next door.  And I didn’t think Severin had found anything going by the way the flat had been turned over, and the fact it looked like no one had lived there.

Having now dealt with both men, I was still on the fence about who was on the right side and who was on the wrong side, or whether they were both of questionable character.  What made it difficult to understand was how Severin could run an operation inside the organisation.  Surely someone knew about it, or from a high level, sanctioned it?

Knowing I would not be interrupted this time, I went back up to the third floor, and into O’Connell’s flat, a simple job since the front door was still unlocked.  The girl had assumed it was no value to them which told me she had already searched the place before being attacked.

Just in case anyone was likely to return, or there was another party interested in O’Connell, I locked the door from the inside.  At least no one had yet crashed through the door, smashing the lock and timber.

I stood in the middle of the main room, and did a slow 360-degree turn, looking at everything intently.  The thing with searches like this, it was more likely the object of any search was hidden in plain sight.  The usual places, such as the freezer, sections of fridges, stashed in bottles or packets in the pantry, under beds, inside mattresses, pillows, or under blankets, or with a form of glue on the inside of televisions or computers would prove fruitless.

We were taught to hide things such as USB sticks where they would be least expected to be found, such as a toy on a keyring, tossed in a bowl of pens, pins, clips, or other small insignificant items that all looked uninteresting.

My first thought was in the pocket of a coat in the closet, but all his clothes were strewn over the floor in the bedroom showing signs of being turned out.  Perhaps the searcher or searchers had thought like me.

There was no keyring in the kitchen or the bedroom, no was there any sort of stand inside the door, a place to put mail, and other items such as keys.  If there were any, they would have been on him when Severin had him killed.  I had not found, not felt, any in his pockets, not unusual for an agent in the field.  If you were captured or killed, you wanted nothing on you that could identify you or what you were doing.

Next I thought, a hidden compartment.  I was not going to predict he had a safe in the flat, but just in case, I did search thoroughly where one might be located.  The cheap watercolour on the wall hid nothing but some discoloured wallpaper.

I checked all the skirting boards, and inside walls of the robes, but there was nothing.  I also checked the robes thoroughly for false backs, or sides, or compartments hidden in the roof.  The floor was made from wood, so I checked to see if there were any loose boards, but in the end, considered that was a ruse used only in the movies and on television.

An hour later, I was no wiser as to where it could be, if at all, in the flat, but, looking around, it was certainly now a little more organised because in checking everything in case the previous searchers had missed anything, I’d put everything neatly in stacks.

And, no, there was nothing under the bed.  The previous searchers had thought of that too.

But, in one corner of the main room, there was a desk that had been completely turned out, papers were strewn everywhere.  There had been a computer, now missing, because there was a cable running from the printer, and a power cable in the wall, both running into thin air.

The papers yielded nothing of interest, other than he was researching a holiday to Russia and Poland. 

For two.

A break.  There was a significant other.  I made a more serious search of the papers that I’d gathered up off the floor and found a shred of a quickly torn up piece of paper, of which only this piece remained.  A name:  Jan, scribbled on it, with half another word ‘ord’.

Did this Jan also live in this block?  Did she work at the same place?  There were a hundred variations of that theme, but it was a start.  He might have trusted the USB to her safekeeping without telling her what it was, and it was possible she didn’t know he was dead.

I’d noticed that O’Connell’s death had been reported as a John Doe on the wrong end of an alleged mugging, the small dismissive paragraph on page seven reported the body was missing when police went to investigate a pool of blood in an alley, along with several other crimes of which police were seeking further information.  That alley hadn’t any CCTV cameras, so Severin knew he could easily shoot O’Connell without anyone knowing it was him.

There was nothing else of interest in the documents, other than the holiday, if it was a holiday, was to be in a month’s time.

My work was done.  I had a lead.  It was time to leave.

Except for one small problem.  Someone was knocking on the door.

© Charles Heath 2019-2022

“Trouble in Store” – Short stories my way: Actions have consequences

It’s time for the policewoman to arrive.

There is such a thing as pure dumb luck.

If she did not walk through the door when she did then Jack would have walked away.

From the policewoman’s perspective:

 

She crossed the street from the corner instead of remaining on the same side of the street as she did every other night.  When she reached the other sidewalk, she was about 20 yards from the nearest window of the store.

As she crossed, she got a better view of the three people in the store and noticed the woman, or girl, was acting oddly as if she had something in her hand, and, from time to time looked down beside her.

A yard or two from the window she stopped, took a deep breath, and then moved slowly, getting a better view of the scene with each step.

Then she saw the gun in the girl’s hand, and the two men, the shopkeeper and a customer facing her, hands up.

It was a convenience store robbery in progress.

She reached for her radio, but it wasn’t there.  She was off duty.  Instead, she withdrew, and called the station on her mobile phone, and reported the robbery.  The officer at the end of the phone said a car would be there in five minutes.

In five minutes there could be dead bodies.

She had to do something, and reached into her bag and pulled out a gun.  Not her service weapon, but one she carried in case of personal danger.

 

Guns are dangerous weapons in the hands of professional and amateur alike.  You would expect a professional who has trained to use a gun to not have a problem but consider what might happen in exceptional circumstances.

People freeze under pressure.  Alternately, some shoot first and ask questions later.

We have an edgy and frightened girl with a loaded gun, one bullet or thirteen in a magazine, it doesn’t matter.  It only takes one bullet to kill someone.

Then there’s the trigger pressure, light or heavy, the recoil after the shot and whether it causes the bullet to go into or above the intended target, especially if the person has never used a gun.

The policewoman, with training, will need two hands to take the shot, but in getting into the shop she will need one to open the door, and then be briefly distracted before using that hand to steady the other.

It will take a lifetime, even if it is only a few seconds.

Actions have consequences:

 

The policewoman crouched below the window shelf line so the girl wouldn’t see her, and made it to the door before straightening.  She was in dark clothes so the chances were the girl would not see her against the dark street backdrop.

Her hand was on the door handle about to push it inwards when she could feel in being yanked hard from the other side, and the momentum and surprise of it caused her to lose balance and crash into the man who was trying to get out.

What the hell…

A second or two later both were on the floor in a tangled mess, her gun hand caught underneath her, and a glance in the direction of the girl with the gun told her the situation had gone from bad to worse.

The girl had swung the gun around and aimed it at her and squeezed the trigger twice.

The two bangs in the small room were almost deafening and definitely disorientating.

Behind her, the glass door disintegrated when the bullet hit it.

Neither she nor the man beside her had been hit.

Yet.

She felt a kick in the back and the tickling of glass then broke free as the man she’d run into rolled out of the way.

Quickly on her feet, she saw the girl had gone, and wasted precious seconds getting up off the floor, then out the door to find she had disappeared.

She could hear a siren in the distance.  They’d find her.

 

If the policewoman had not picked that precise moment to enter the shop, maybe the man would have got away.

Maybe.

If he’d been aware of the fact he was allowed to leave.

He was lucky not to be shot.

Yet there were two shots, and we know at least one of them broke the door’s glass panel.

 

Next – the epilog

© Charles Heath 2016-2020

Memories of the conversations with my cat – 41

As some may be aware, but many not, Chester, my faithful writing assistant, mice catcher, and general pain in the neck, passed away some months ago.

Recently I was running a series based on his adventures, under the title of Past Conversations with my cat.

For those who have not had the chance to read about all of his exploits I will run the series again from Episode 1

These are the memories of our time together…

20160907_135509

This is Chester. He had been shocked by my transformation into someone he least likely expected to find in his domain.

After a chastisement, I told him he could expect more shocks in the days to follow.

Why he asks. All I want is a peaceful life lying in the sun by the window, and no pesky mice to chase.

Sorry, I say. I’m playing roles for my next book. Trying to get the feel for the character.

A drunk, a fool, and a man who does household chores. You’re failed in all three, just in case you want to know what I think.

I don’t.

The cat doesn’t have a sense of humour, or if he does, I’m not seeing it.

I think you’ve got it wrong. Not a drunk, a man with physical disabilities, not a fool but a clown who’s lost his will to perform, and yes, I am the one who does the cooking and cleaning,

And who’s in charge of feeding you?  Anything else you care to add?

Looking good, keep up the good work, but how about fresh fish rather than that packet stuff.

That word: Line – in sayings

There’s more to that word ‘line’, a lot more, making it more confusing, especially for those learning English as a second language.

I keep thinking how I could explain some of the sayings, but the fact is, it’s only my interpretation, which could possibly have nothing to do with its real meaning if it has one.

Such as,

Hook, line, and sinker

We would like to think that this is only used in a fishing depot, but while it is generally, there are other meanings, one of which is, a con artist has taken in a victim completely, or as the saying goes, hook, line, and sinker.

At the end of the line

Exactly what it t says though the connotations of this expression vary.

For me, the most common use is when you’re waiting, like for a table in a restaurant with a time-specific reservation, and you see people who arrive after you, getting a table before you, it’s like being continually sent to the end of the line.

Line ball decision

This is a little more obscure, but for me, it means the result could go either way, and it’s a matter of making a call. The problem is both decisions are right, and unfortunately, you’re the poor sod who has to decide.

It of course partners very well with you can’t please everyone all of the time.

These are the most difficult because one side is going to be aggrieved at the decision especially when it is supposed to be impartial and sometimes isn’t.

Get it over the line

This, of course, has many connotations in sport, particularly rugby when the aim is to get the ball over the try line.

But another more vicarious meaning might be from a senior salesman to a junior, get [the sale] over the line, i.e. get it signed sealed and delivered by any means possible by close of business.

Line of credit

A more straight forward use of the word, meaning the bank will extend credit up to a certain limit, but it’s generally quite large and can feel like its neverending.

Until you have to pay it back.

There’s more, but it can wait till another day.