EXT. SAN FRANCISCO MARINA — AFTERNOON

Gorgeous, sunny day. Magnificent yachts line the harbor. Down a wooden pier, each boat gets smaller and smaller… at the end, a tiny, ragged sailboat- a rusted bike lays on the deck.

VOICEMAIL: … Hi, you’ve reached Chas. Not in the casa right now, but leave a mesh, I’ll hit ya back. Peace.

INT. SAILBOAT

Cramped. Messy. Someone actually lives here? Beep.

KEITH V.O. (pleasant): … Hey, Charles. Keith here, Department of Education. Just wanna give you a friendly heads-up: your student loan’s a month overdue…

Floor’s littered with dirty clothes, unopened bills and books from a wide range of subjects. A fraternity paddle and photos of happy, drunken college kids hang on the walls. Beep.

KEITH V.O.: … Hey. Keith again, Department of Education. Haven’t heard from ya, buddy. Been a few months, gettin’ a lil’ worried. Gimme a call…

CHARLES ‘CHAS’ CHANDLER (27) straggles to his feet, groggy. Wearing a frayed ‘SAUCY STATE #1 PARTY SCHOOL’ T-shirt, he scuffles a few feet over to the ‘kitchen.’ Beep.

KEITH V.O. (no longer pleasant): … So, what, think you can just hide away? Huh? Pretend I don’t exist? Like I’m a figment of your fucking imagination?…

Chas grabs a box of generic kid’s cereal. Opens the dorm room fridge… all that’s inside is a near-empty carton of milk.

Goes to dump the rest in his cereal, when he notices a saucer on the floor… pours the milk into the saucer instead and whistles. His cat (SAUCY) sashays over and laps it up. Beep.

KEITH V.O.: Know this gonna fuck up your credit, don’tcha? Shit, you won’t be able to get a Discover card- and they hand out those to the fucking homeless…

Chas plops down at the small, wobbly table. Powers on his laptop as he munches cereal right out of the box. Beep.

KEITH V.O.: … Awright, listen up, dickface. I am fresh outta fucks- like decent looking whores after last call. I swear to Christ, I will HUNT your pussy ass down. Do not push me…

He opens World of Warcraft, a fantasy game. Chooses an avatar- healer. Next, occupation. Scrolls through all the options. Like in his real life, it’s a super tough decision…

His phone rings, a raunchy hip-hop ringtone. He eyes his cell: a ‘208’ number. Keith, his student loan collector.
He shudders, fear coursing through him. Declines the call, then shuts off his phone. Back to the game. Back to fantasy.