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I had just bought a house for my son — and the message arrived at once: “Mom, you’re not coming on the cruise. My wife wants to keep it just family.” I set the phone down, opened a slim folder… and four days later, something else knocked before they could. Under the pale morning sun of an American suburb, the HOA gate hummed softly like a steady breath, and my small kitchen was so quiet I could hear a spoon touch the rim of a cup. I had just signed the transfers, covered every fee, and made sure