Oh boy. A severed finger, a rat, a kidnapped husband, this is a real horror story brewing. I want to know more about James. How does she know him? Why is the husband alive but disfigured. Ho tight is the money in the house? Wife works, husband works, they have a roommate who presumably helps financially. How much are their housing costs? It does not seem like the house is in great shape. Four people in the household three of them financially contribute what other bills do they have? Sorry, their is less story in this chapter than there could be.