Ray: All right, you're good with numbers. Here. Take a look at this stuff. I paid all these bills. There's no reason they should be sending me mean letters.
Andy: Well, here's a reason. Your check bounced.
Ray: What?
Andy: Wow. You bounced many checks here. You bounced 14 checks, and you were charged $300 in penalties. Excellent work.
Ray: What do you mean? I sent these checks myself.
Andy: Checks that didn't clear, Ray. You might as well have sent little pieces of toilet paper.
Ray: But I make more than enough money.
Andy: Well, mazel tov to you. You're $3,000 overdrawn here. You didn't even open up your bank statement.
Ray: I trusted the bank.
Andy: You didn't reconcile your checkbook.
Ray: Huh?