The villian in every cartoon said that at the end of the episode. And me , just today. I was looking forward to getting the dentist bill paid off this week, finally! But, DD#2 needed some cash to fill a prescription. What can you do. You pony up the cash, of course. I was really, REALLY hoping to be done with this bill! I have a dental appt. next week, some day he's going to start repossesing my teeth. The dentist himself never says anything, but I always get the "little talk" from the receptionist, when can you make a payment? the interest is adding up....etc. etc. They have been very fair, I know they have. It just happens that every time I get close to the big -0- balance, somebody needs something thats not covered. I have been paying on this for more than a year, (uh oh), maybe more like two years, come to think about it. What do you do when your debt snowball is still rolling ahead of you, instead of melting? You make a cup of cocoa, tomorrow is another day!