> They established an algorithm, whereby they will send warnings to anyone who was in the red, by first debiting the printing and mailing fee for the warning, then calculating the total.
That is fantastic! For all the rest, I agree with you...
"The five senses obstruct or deform the apprehension of reality."
Jorge L. Borges?
"Premature optimization is the root of all evil in programming."
Donald Knuth, repeating C. A. R. Hoare
"To die for a religion is easier than to live it absolutely"
Jorge L. Borges