The problem with the gene pool is that there is no lifeguard. The sooner you fall behind, the more time you'll have to catch up. A clear conscience is usually the sign of a bad memory. Plan to be spontaneous tomorrow. If you think nobody cares about you, try missing a couple of payments.
Bills travel through the mail at twice the speed of checks.
Half the people you know are below average. 99 percent of lawyers give the rest a bad name.