1. What is the significance of the title, IOU's, in the story?

2. Describe Stowe's feelings about his mother. What do you think of Annie as a mother? What influences your opinion? Illustrate with specific examples in the book.

3. Stowe and Brownie are best friends. In what ways are they alike?

How are they different? Do you share any of their traits?

4. Stowe and Brownie have fun creating their own adventures. Which adventure appealed to you the most? Tell about some fun adventures that you and one of your friends had.

5. Describe the attitudes of the characters (Stowe, Brownie, Karla, Annie, Mrs. McWhitty, and Karla's grandfather) toward the war against Karla.

Do those of the teen-agers differ from those of the adults? How?

6. Humor is one of the devices Sebestyen uses to make the reader appreciate the characters in the story.

What are some of the...