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People who wait until the last possible second to merge.
People who are convinced that they have all the right answers and that they can't be corrected - just had that phone call.
Insurance agents who don't understand the difference between "minimum earned premium" and "minimum and deposit premium", which are two entirely different concepts applied at opposite ends of a policy period, dammit!
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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