Zach picked up his wallet and keys, at least mostly convinced he was making the right choice. But he'd only stepped one foot out the door when his phone rang.

"Garcia here. We've got another fire."

Zach swore a blue streak all the way to the Baptist Church. A good-sized crowd had gathered in the parking lot, around the smoldering heap of a car. The firefighters had the blaze, out, but the foam-covered pile of debris was still smoking and steaming.

As Zach took in ...