Wildfire Insurance
Autumn in Los Angeles, with a hint of dryness. The distant hills begin to smoke, like a kettle of boiling water.
An old man sits on his rickety wooden chair, gazing at the distant firelight, clutching a crumpled insurance policy in his hand, his last hope. His name is Carl, one of the few remaining residents at the foot of the mountain, the other neighbors having either moved away or gone bankrupt.