Virginia Saenz could hear the desperation in the voice of the telephone message. It was 5 a.m. on the day before Thanksgiving, and the caller, Lucy Crutchfield, was trying to tell her daughter that she'd send money for groceries -- but she'd have to miss a mortgage payment to do it. But Crutchfield dialed the wrong number. Instead of getting her daughter, she got Saenz, a real estate agent from the San Diego suburb of Tierrasanta. Saenz did the only thing she could think of -- she called Crutchfield back and said not to worry. Crutchfield would pay the mortgage, and Saenz would handle the groceries.
