Nope no guilty conscience. If you wern't referring to me its QUITE the coincidence that you happened to use that specific example shortly after I posted my comments.
I'm not explaining anything to a judge. I'm just paying the stupid thing.
Apparently you already have all the answers, so I'm done as it will be pointless to continue with the conversation. You seem very opinionated on this subject so we'll just have to agree to disagree.