“In March, I went to a ski resort on my way to a job interview. I stopped at a grocery store to pick up a granola bar [update: and a vitamin water]. I had to put it on my debit card, and the one I used was my (RARELY used) TD Banknorth card. I don’t usually keep much money in there because I hate Banknorth, but I bring it with me to go skiing to secure demo equipment without risking my real bank accounts. As soon as I got to Boston for my interview, I deposited $10 to cover the $8 I charged at Shaws, even though I knew there was supposed to be money in the account.”