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    When I was writing Where They Dream in Blue, a friend who works in television taught me a trick: when creating a character write a one-page biography of everyone who’s a major player in your book. This has to include their likes, dislikes, interests, hobbies, habits, friends, enemies, and so on. The more detailed, the better --- what television show do they watch? Do they have a weakness for a particular type of chocolate bar? Do they have any strange personality quirks? Were they ever attacked by killer bees when they were two years old, which might explain the unnatural fear of honey they may have even at the age of fifty?
      Naturally, when you are writing your piece of fiction, you are going to make your characters encounter situations and other people, and you will want to make them react in certain ways. These ways also have to be credible if you are writing con temporary fiction. To have a housewife stride into the middle of a business meeting and be able to handle a financial crisis is not a very believable scenario, but a housewife who is suddenly widowed, and then has to sort out her husband’s finances might decide she has a talent for business and decide to take over the company.
      You will want to capture her thoughts and feelings as she walks into bank for the first time, to withdraw money, for example, from a joint bank account right after her husband has died. Would she be nervous? Confident? How would she walk if she felt frightened of the bank tellers? Would she stand up straight or slouch down, and fiddle with her hair? What might she say to herself to give herself some courage?