Nora and Freddy Lang's new home has been partially destroyed by a fire, and so Nora and Freddy are once more living with Penny. This afternoon, after coming in from working at the farm, Freddy is in the living room with Penny. The grateful young man can't stop thanking Penny for letting them stay, and they're currently discussing the terms of Freddy's insurance, and what might cause the insurance company to renege on paying for the repairs.