Eronen got a phone call from her husband, Juha. The Eronens had spent Christmas with relatives in Savonlinna, Finland, and Juha had just made the two-hour drive home so he could return to his job as an electrician. The couple live with their 5-year-old daughter in a cozy, two-bedroom apartment in Mikkeli, a quiet, midsize city in the southeastern part of the country. Juha was calling to let his wife know he was home safe, and oh, by the way, an important-looking letter had arrived for her from the Social Insurance Institution of Finland-or, as everyone calls it, Kela.
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