Mike and I live across the street from a pool. Last year we were too busy (and broke) with the moving and the kitchen remodeling and the painting and the unpacking to do anything about the pool. We talked about the pool in a theoretical fashion. “Perhaps we should join the pool next year.” “Yes, perhaps we should.” We use words like “perhaps” when we are talking theoretically. But now it is almost pool season. And the pool is running a deal, so it’s not theoretical anymore. We hav