Imponderables

At this time of year, those of us with mortgages may receive a refund check for our escrow accounts.  It's not really a refund, more like "we don't want the overage".  Anyway, in previous years my check has ranged from a couple of hundred to a little over a thousand.  This year?

Yes, a whopping $.07.  And how much did it cost to mail?

No wonder the banking system is in trouble...