Dear Valued Customer, We noticed you recently paid the balance on your government issued credit card. You may not have noticed the 47 pages of fine print attached to this card. There was an interest rate of 28.5% on this credit and a variety of processing fees and incomprehensible thingamajiggys and now you owe us an extra 33.2% on the original balance. Furthermore, if you do not pay it in full by the first of the month, you will be charged a late fee that will be determined by the number of days late divided by the Chinese calender year times the number of pieces of chocolate I resisted that day. We look forward to receiving your payment. Signed,The People's BankerU.S. Planning to Reveal Data on Health of Top Banks - NYTimes.com.