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Richard is driving Vic to his place.

— I'd love to stay with your people tonight. Are we going to your apartment?

— Oh, no. My real home is a country house on Long Island.

— Is it very far from New York?

— No, it isn't. Most days I drive there. But a few nights a month I have to stay in my apartment.

— You have to?

— Yes, when I work late in my office. But that doesn't happen very often.

— I've heard a lot about traffic jams. Do they happen often?

— Yes, they do. And sometimes I have to take a train with thousands of other commuters.

— How long does it take to get there?

— It usually takes an hour.

— Is your house big?

— We've moved just recently. We can afford a bigger house now.

— I've heard houses are pretty expensive, aren't they?

— Yes, they are.

— Did you buy it?

— Yes, I did. But it isn't quite my own.

— What do you mean?

— I made a down payment of 30% and took out a loan from the bank.

— What's your payment plan?

— I have to pay it back over thirty years.

— But it's worth it, of course.

***

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