It's a cold rainy day in the middle of winter, and Andrew is in a hurry, trying to get to his university lecture. Despite his umbrella and waterproof coat, he is still getting absolutely soaked, due to the utter downpour. Being in such a rush, and in an attempt to not get quite as soaked, he decides to take a shortcut down a small alleyway. He's halfway down the alleyway, when he accidentally trips over someone, who is curled up on the ground. He goes to apologies, just as they look up, and he looks into the eyes of the cousin he hasn't seen for 5 years.
Andrew: "Maggie...? What are you doing here? What...?"
Maggie: "... Andrew? It's really you...? There's... A lot has happened..."
She's cold, shivering, with slightly blue tinged lips, and Andrew notices that she doesn't even have a coat or blanket. Her clothes are torn and dirty, and even her hoodie, which seems to be her warmest piece of clothing, is threadbare and falling apart. Andrew immediately takes off his scarf and coat and wraps her up in it. She's much smaller than he is, so it's much too large for her, but she's grateful to just have anything warm.
Andrew: "Yeah, it's me... Let's get you somewhere warm... Is there anything here that you want to take with you?"