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An employee in the bill-collection department of a large store gave me an insight into human nature. He told me that he repeatedly gets the following response from customers who are delinquent in paying their bills: "I know you must have others who owe a lot more than I do. Get off my back will you!" The employee then told me, "They miss the point entirely. Sure, there are a lot of others who owe more. But somehow I have to tell them in a nice way, 'Look, what somebody else owes isn't the issue. Our records say that your account is overdue!'" Our Daily Bread 27-11-04