Bob, Bob, Bob… what do you have going this time? Bob thought he was doing a comparison for a merchant. He wrote across the paper, “Savings: $800.” The merchant asked us to take a look. “Where was the detailed comparison? Where was the savings of $800?” they asked. “Beats me. Why don’t I just write $1,000 savings on a piece of paper,” I replied. Bob, that is not a comparison. And you better learn how to list all the fees if you do learn how to do a proper comparison, not just some of them. How inconvenient for Bob to have to learn to understand the business he is in.