prompt: I've had a savings account with the same bank for over 10 years. I didn't use it for a long time_comma_ but decided to use it again. I got a heck of a shock when I saw they'd been deducting $15/month due to inactivity. They didn't even tell me!
utterance: Very true. They didn't even tell me. That was the last thing I expected! I only just decided to use it again.