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Let’s say that you have recently launched your son or daughter toward college—or a job, or the armed services or perhaps graduate school. In any case, you are done with parenting, ready to collapse into an easy chair, pour yourself a drink and reflect on a job well done.

Then the phone call comes about an intolerable roommate or unfair professor, or hours cut back at work, or a request for a small loan for recording equipment or perhaps a donation for a three-month trek through Europe. And it suddenly dawns on you: You’re…

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