My first “I’ve passed the point of no return” moment was April 2, 1995. It was the day of my first daughter’s birth. It was also the shortest day of the year, the day we lost the hour we gained in the fall the year before. That day. It was also the era where insurance paid for only 24–48 hours in the hospital to bring a life into the world safely and then recover. Yep… . My water broke at 4 a.m. My husband leapt out of bed like the house was on fire, then disappeared for 10 minutes and returned…