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Your bank manager at the Bank of Countess calls you in for an emergency appointment. You're delinquent on your fee payments to the bank and so she proposes you declare bankruptcy. Exploring your options, she comes to a conclusion - you need to sell your house in order to continue paying her the fees that she is due. And of course, you will need to send her a bonus for the additional work she's having to do. It's simple maths really...