This is my response to Writers Co-op’s latest writing prompt, “Mashup“. I hope you’ll stop by their Show Case to enjoy all the highly creative and original entries. Maybe they’ll inspire you to submit your own for the next prompt:
Nothing
Guidelines are easy: any genre, approximately 6-1,000 words. Submissions are due by April 4, 2022, attached as a .docx to an email to stranscht@sbcglobal.net.
Daylight Savings Bank
by S.T. Ranscht
The first time I used my Facebook — oops, sorry, META — Daylight Savings Bank card, I bought 15 minutes of daylight to avoid having to wake up in the dark the next morning. It was a special occasion — my birthday — and I was leaving on a jet plane for a long-planned, well-deserved vacation in the tropics. If I had jet lag, I figured I wouldn’t miss the 18.3 minutes (15 minutes at 22%) of additional darkness that would trim sunshine off the end of that day to pay for it. If I didn’t suffer from jet lag, I could pay the higher interest rate of 33% (19.95 minutes) to defer payment up till the end of the test period.
At only 25 years of age, I was one of Daylight Savings Bank’s lucky beta testers. Tens of millions all over the world had applied, but only a hundred thousand were chosen by lottery to experience the freedom of deciding how many hours of daylight their days would hold.
You’re probably wondering how this could possibly work — I think we all were. First, every applicant had to read and agree to the 10-page TOS on DSB’s website before META held the lottery. This was meant “to give applicants the opportunity to inform their consent and withdraw their application if they so choose.” Then it got pretty technical — something about transactions “disrupting/resetting circadian rhythms” and extended use “realigning applicable relative longevity standards”.
To me, the most important part was the sliding interest rate scale. I just wanted the longest, sunniest days I could afford. Of course, as beta testers, we didn’t have to pay any money for the extra light or dark — we chose extra light (or dark) at one end (or both ends) of the day, and had to accept an equal amount of dark (or light) plus interest, either the same day or by the end of the 30-day beta testing period.
Second, the actual process sounded like a METAverse thing on steroids: After DSB’s thorough physical and mental examinations to establish each selected participant’s beginning health baseline, each participant would be “surgically fitted with temporarily permanent lenses” that would enable them to “experience sunlight and darkness on their own schedule.” At the end of the beta test, DSB conducted both examinations again, and traded their lenses out for the participant’s own lenses, which I guess must have been cryogenically frozen, just as rumor had it META’s founder, Mark Z. had been fifty years ago.
When I won a slot as a beta tester, I was ready. I paid for my own vacation, but the sunshine would be courtesy of Daylight Savings Bank.
After my first timid appropriation of extra sunshine and a daylong flight, there I was, on one of those little South Pacific islands that’s dominated by a super-luxurious resort that looks like it could sink the place. I was so energized, I added five more hours of sun that first night and deferred all payments from then on. From the golf course, you could whack a ball right into the ocean. Imagine snorkeling near a coral reef among exotic tropical fish, giant sea turtles, and sharks. (Just watch out for those golf balls.) Sailing, surfing, wind surfing, parasailing. Hiking, fishing, swimming, canoeing. Waterfalls, bamboo groves, volcanoes. Meal after extraordinary meal. Sea grapes. I did it all, I saw it all, and I needed only five extra hours of daylight every day for 23 days. No wonder I was moving more slowly toward the end.
But my exit examinations established a different explanation. While my body and my mind had successfully reset my circadian rhythms to my eighteen hours of sun/six hours of darkness schedule, my applicable relative longevity standard was now that of a 70-year old woman.
Even worse, my deferred payments were due. I had to live the next seven days in total darkness before DSB would trade out my lenses. Seems to me setting the clock ahead to permanent Daylight Saving Time would have been a much healthier option.
Space, Time, and Raspberries 
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