when the teller at wells fargo told me i had a number of overdrafts in my checking account and that there were seven insufficient funds fees i froze from embarrassment. i decided to act like it was somebody else's fault, so i did my best yoda - "disturbing this is. foresee the lack of funds i did not. stolen my money somebody must have." i turned to leave and as i opened the door i said, "find him i must!" i think it bought me at least a couple of days.