"We were at home and it was night time, around 8pm. We saw shells exploding on the mountaintops, so we rushed to the cave bunkers."
Zainab's village, Ganokh, found itself in the firing line between India and Pakistan, high in the Himalayas. It's on the Pakistani side of a ceasefire line dividing Kashmir, which both countries claim.
Twenty years ago, a tactical operation ordered secretly by Pakistan's generals to occupy heights in Kargil on the Indian side flared into a war they hadn't expected. It led to defeat and embarrassment, and triggered events that culminated in the country's third military coup in 50 years.
Thousands of civilians from Zainab's village and others nearby lost their homes and livelihoods in the conflict. Similar numbers were displaced on the Indian side, but they were able to return after the war.
On the Pakistani side, however, official promises of help in the aftermath of the war never materialised, and many continue to struggle in refugee slums around the country.