Hello how may I help you? Can you pull up my library account? Sure. What do you want me to do? How much late fees do I owe? Its $400. Oh my God! Is that just for that one book that I lost?!?! What is the interest compound or something? Sorry.Its $40 only Okay that's more like it Okay. Can I pay that with my Visa? Cash basis only. Okay I'll stop by and pay it off