, With a guard at every door, And the vaults are filled with silver, That the miners sweated for. After twenty minutes of that, our mutual Contact will probably know it by heart. On a more serious note, we come to the matter of cost. As your bank has often pointed out, the ongoing drive for greater efficiency comes at a cost, a cost which you have always been quick to pass on to me. Let me repay your kindness by passing some costs back. First, there is the matter of advertising material you send me. This I will read for a fee of $20 per page. Inquiries from your Authorized Contact will be billed at $5 per minute of my time spent in response. Any debits to my account, as, for example, in the matter of the penalty for the dishonored check, will be passed back to you. My newphone service runs at 75 cents a minute (even Woody Guthrie doesn't come for free), so you would be well advised to keep your inquiries brief and to thepoint. Regrettably,but again following your example, I must also levy an establishment fee of 2%of my balance or $50 (whichever is more) to cover the setting up of this newarrangement. May I wish you a happy, if ever-so-slightly less prosperous, NewYear? Your humble client, Mr. Smith...