The day before Thanksgiving, I had a mediation set for 9am.  A couple hours later, my client and I realized the insurance company was not going to bridge the still-remaining $500,000 gap, so we left.  I checked my phone.  My bride and the 3 small children had been at the pediatrician’s office, and the youngest tested positive for strep throat (she had a fever the night before).  We met for lunch, and I was to take the ill 4-year-old home while the other 2 + their mom went…