Everyone calls him Fred. His name is Steve. He says he chews tobacco for the taste, but in truth, it’s the high. His friends love the guy, hangin’ on his every word like disciples. He’s been telling himself he’s got life in the bag ever since he started night school to become an electrician. His girl says he never takes her anywhere. She doesn’t know he’s making payments on a ring at Terryl’s Jewelers in the mall. He’s been paying interest on his work boots for fours months on his credit card. He tells himself: I’m all over this. No sweat.