<DIV>In <I>Pack of Cards,</I> Penelope Lively introduces the reader to slivers of the everyday world that are not always open to observation, as she delves into the minutiae of her characters' lives. Whether she writes about a widow on a visit to Russia, a small boy's consignment to boarding school, or an agoraphobic housewife, Penelope Lively takes the reader past the closed curtains, through the locked door, into a world that seems at first mundane and then at second glance, proves to be uniquely memorable.</DIV>