“There’s also some uncashed checks. Mom, I need to use some of that money to repair the house and pay your bills. Okay?”

Her mother’s brow wrinkled, and she stared off into the space between them. Evie touched her arm and she snapped back.

Evie tried again. “I want your permission to use that money to pay your bills. And repair the car. And the roof—there are shingles all over the lawn. And you need a new upstairs window.”

“Window?” Her mother was staring hard at Evie, like she was trying to penetrate a dense fog.

Exasperated, Evie said, “I don’t want to spend your money without your permission. Can I use the money to pay the bills and repair the house?”

Her mother nodded, not so much yes as whatever.

“Okay. So I brought the checks with me.” Evie pulled them and a pen from her purse. “Can you endorse them to me so I can deposit them? Do you feel up to that?”

Her mother pushed herself up and took the pen. Evie moved her mother’s lunch aside to clear a space on the tray.

Her mother began endorsing checks, signing each one over to Evie without a pause. Each signature was a little more shaky and illegible than the last. When she’d signed the last one, she collapsed against the pillow, as if the effort had exhausted her.

Evie was putting the checks into her bag when her mother said, “Ginger?”

Evie turned back, thinking her mother was mistaking her for Ginger again. But when Evie followed her gaze to the doorway, Ginger really was there.

“Hi, Mom,” Ginger said. She had a long cardigan sweater wrapped around her. Her dark hair was loosely anchored with a banana clip. Their father used to say that Ginger had the face of an angel, and she still had big lash-fringed eyes and pale skin that almost seemed to glow.

Ginger came into the room and gave Evie a hug. She smelled of rose water. “I got this off the Internet from the IRS,” she said under her breath, handing her a two-page printed form that said POWER OF ATTORNEY, before sitting on the edge of the bed. Evie stood next to her.

“My baby girls.” Their mother looked back and forth from Evie to Ginger. “I’m so happy to see you.” Her eyes welled with tears.

Evie bit her lip to keep from crying, too.

Ginger leaned forward and kissed her mother’s cheek. “So how’s your shoulder?”

“My . . .  ?” Their mother looked down at her swaddled shoulder, as if seeing it for the first time. “It’s nothing. Just a nuisance. I’ll be fine.” She gave a tight smile that didn’t reach her eyes. “Everything will be fine.”

“Of course it will,” Ginger said.

Evie nudged her with her knee.

“Mom—” Ginger started.

“I know,” their mother said, her voice barely a whisper. She closed her eyes, and a tear squeezed out and ran down her cheek. She opened her eyes. “I know it’s not going to be fine.”

“No,” Evie said, handing her mother a tissue.

“Not this time,” Ginger said with a sob, taking a tissue for herself.

They hung there for a few moments. Finally Evie broke the silence. “The doctor says that the prognosis isn’t good. And that we should talk to you so we’ll know what you want if we have to . . .” It was so hard to put this into words. “ . . . make choices for you. It’s hard to even think about. But Dr. Foran said we shouldn’t put it off.”

Her mother swallowed and grimaced.

Evie took out the pages about treatment choices that Dr. Foran had given her. She turned to the end, where there was a list. “Your doctor gave me this to help us talk about what you want and what you don’t want.”

Ginger picked up the thread. “If there are choices. You know? And you can’t communicate what you want.” She leaned forward. “Please, please, tell us what you’re thinking.”

“No . . . transplant.” Their mother’s voice was clear, even if it was barely a whisper.

“No transplant,” Evie said, writing it down. She was relieved that she didn’t have to tell her mother that a transplant was probably not an option.

“If we have choices, where do you want to go if they release you from the hospital?” Evie said, reading off the first item on the list.

“Home.” Her mother sounded so definite. As Evie wrote it down, she had to wonder if her mother had even the slightest idea what a mess home had become or how complicated it would be to honor that simple request.

“Okay. Pain medication?” Evie said. Her mother’s gaze drifted to the ceiling. “Mom? Can I say that you want the doctors to do whatever it takes to keep you comfortable? Are you okay with that?”

Her mother nodded.

Evie went on, asking her about sedation, hydration, a feeding tube, and on through the endless-seeming list. In response to each, her mother managed to say a few words, or just nod or shake her head.

Finally, the hardest question. “Mom, if you crash, do you want the doctors to try to resuscitate you?”

Her mother shook her head.

“Do you want to be kept on life support?” As she said the words, Evie winced. It sounded so cold and brutal.

Her mother’s “no” was barely a whisper. Then she turned to Evie. “Write it down.”

Evie did. “And what about after?”

“Cremated,” she said.

“Of course. Like Daddy?”

Her mother smiled.

Evie remembered the windy day she and Ginger and their mother powered up the motorboat that her father kept moored at the scruffy Point Yacht Club, driven it a mile or so out, and scattered his ashes on the swells of the Sound.

Evie read the checklist back, item by item, and at the end her mother signed it. Finally Ginger took over, explaining the document she’d brought in, power of attorney, and how it would allow her and Evie to take over their mother’s finances and later her estate. Ginger held the paper while their mother signed without a murmur. Then she let the pen drop onto the bed. She whispered something that Evie didn’t catch.

“Not afraid of what?” Ginger asked.

“Dying,” their mother said. The tension lines in her forehead deepened. “But the house . . .”

Ginger said, “Is there something you want us to do with the house?”

Their mother gave a weak wave and muttered something that sounded like I’m sorry. The tension lines faded. Then, “It’s too late.”

After that, her mother sank back again into the pillows, and she turned her head away from Ginger and Evie. Minutes later she was asleep.

Evie followed Ginger out into the hall.

“That was so hard,” Ginger said. She looked pale and drawn. “But not as hard as I thought it would be. And I’m glad we didn’t wait.” She glanced back toward the room. “I can’t believe it’s happening so fast. I wish there was something—”

“I know,” Evie said. “You’re so used to fixing things, but this isn’t something that can be fixed.”

Ginger sighed and bit her lip. Her eyes welled up again with tears. Evie put her arms around her, thinking how glad she was that she didn’t have to go through this alone.

“I’m sorry, excuse me.” It was a nurse pushing a medication cart. Evie and Ginger stepped aside so she could take it into their mother’s room.

Ginger wiped her eyes with the side of her hand. “Her insurance is kicking in. I called to check. So that’s okay for now.”

“And just like she said, it turns out there really is money to fix the house.”

“Really?”

“I found months of uncashed pension checks that I got her to endorse. And envelopes of cash.”

“What?”

“Five of them. Like this.” Evie pulled one of the envelopes from her purse. Ginger took it and riffled through the hundred-dollar bills. She whistled. “What on earth?”

“I have no idea. And here’s the other weird thing. I went through all of her papers. Her credit card? In March she owed eight thousand dollars. In April? Zero. Paid in full.”

“But how—?”

“That’s what I’d like to know. She’s not writing checks. She’s not depositing or withdrawing money. So how’s her credit card bill getting paid off? And who paid for her new HDTV?”