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Sheila Haddon's husband died 18 months ago, sans life insurance, leaving her with nothing but cherished memories and a hefty mortgage on 'No. 20.' Now Sheila and daughter Monica face the awful prospect of selling their beloved family home. The soft-hearted but independent Sheila doesn't relish the thought of calling on the help of old family friend Richard Beaming - perhaps lodgers will prove the solution to her predicament?