One day when Junior was 14 he noticed his father wearing a happy grin as he came home from work.  “Got pinched for speeding, but Jake down at city hall got the ticket fixed for me,” he said.  When Junior was 15, he was with his mother in the family car when she backed into a tree, doing extensive damage.  “We’ll say someone rammed into us when we were parked downtown,” she said.  “Then we’ll collect insurance for it.” 

When…