Andy: You have to keep track. Give me that! What did you do here? Why did you pay so much on your Visa card?
Ray: Because I'm not going to pay interest charges. You pay in full, no interest charges.
Andy: That is smart. No money left, either. Look at this. Debra had everything in order.
Ray: Yeah, yeah, Debra, Debra, Debra. All right. I'm sick of this money stuff.
Andy: Just tell me what I have to do. All right. First, you got to take last month's ending balance. Then you add the interest accrued on the account. Then you add all the checks that we know have cleared and then you subtract that number from... Ray, what did I just say to you?
Ray: "Accrued."
Andy: All right, Ray, you had your little fun with mommy's checkbook. Now it's time to give it back to her.
Ray: No. I'm not giving it back to her. Then she's gonna know I couldn't do this.
Andy: Well, she may get an inkling when they cut off your power and tow away your house.
Ray: I don't get it. Look at this. How can it be this bad? It's only been six weeks.
Andy: That's what so shocking.