history: I came home from work.. and opened my mail up.. and you won't believe what I got in the mail. I came home from work.. and opened my mail up.. and you won't believe what I got in the mail. What did you get in the mail? I got a repo notice for my car.  I am so upset.
current: That is awful, did you miss some payments?
next: Yes.. but I had a valid reason.  Cries..