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I've always liked the comedic take on this sort of thing...namely, the fact that, when you bounce a check, they charge you for more of what they know you don't have in the first place.
Business is paradoxical that way. Got millions? Then you can get a 2% loan on large ticket item purchases. Stone broke? Then your rate is 20%.
It may make business sense, but it doesn't make a lot of sense.
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"To those of you who are wearing ties, I think my dad would appreciate it if you took them off." - Robert Moog
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