I walked to the bank the other day. I made my way over to one of the desks and sat down to talk to a guy whose name tag said "Andy." I said, "Andy, I need some money, and was wondering if you could help me?" Andy smiled and said he would be glad to do what he could. I told him what I needed and he left the room for a few minutes to run the credit check and whatever else it is that they do at a time like that. Minutes later he walked back in and said, "No problem, John. I've got your check right here!" He slid the money across the table. I was impressed with how easy it had been and as I started to get up Andy said, "Just a second John, I need your signature in a couple of places."

"For what?"

"Well, this one shows that you received your check, and this one shows that you understand the payme…