Why is the BANK so freaking hard to deal with? God it is like you are going to a complete nightmare of your own making. I know that it is one of those necessary things that we Americans unfortunately have to acquiesce to. It is that it seems like everyone on the end the month that goes to the bank has some sort of long winded issue that cannot be settled unless at least 3 of the workers assist this one guy. Now you have to go into damage control and really save your self from spontaneously com busting. It is not like the teller is  trying to explain to you how orac value works and how you should use it in your every day life.