Hello how may I help you? Can you help me with my account Yes, what do you need help with? What are the fees on my account? You currently owe $21 in late fees. Ughs why? You did not return your books on time. Bummer how can I pay You can pay now with Visa or Mastercard. Ok I will do that next time Im in town Sounds good. Anything else I can help you with? No that's it