Original Commentary

Terrence says the Kimberly in the third panel reminds him of the Kimberly from 'Unlike Minerva'. Personally she reminds me of 2002 Joy. I should just say, for the record, that the two are not related, nor will they ever be. That would be just strange. Just to make sure I got it across, in the fourth panel Kimberly is throwing away Emily's letter... not sure if that got across properly. -Isabel

Modern Commentary
I don't think we had firmly decided at the time, but upon reflection it's obvious that Kimberly was set up to fail. She probably could've lived a bit cheaper, maybe eaten less fast food, or stayed in more. But still, the math wouldn't work and she never really had a chance.

That's kind of how Mr. Taylor works. There are a lot of very optimistic projections and assumptions. As long as it all works out, it'll pay off and he'll be rich. But it never quite does.

He's too willing to bet on long shots and ignore how much this hurts everybody else. - Terrence