I've actually had MER up all day. The only reason I haven't commented much is that there didn't seem to be many other people online and (funny you mentioned debt collection) I have three clients who are way outstanding in paying their invoices and I've been trying to nudge them while they have said stuff like "but if I pay you for your work, I won't be able to buy as many Christmas presets, can't you wait until January to get paid?" and I've had to be like "Um, no, you hired me now, the work has been done, if you couldn't pay for the work until January then you shouldn't have hired me until January."