Son: tell me a scary story.
Me: Ok, (in a scary voice.) Once upon a time there was a body who lived in the dark woods and he had a skeleton,,,it was in his body!
Son: so, everyone's is.
Me: yes. But his was made of,,,bones!
Son: so, everyone's is.
Me: yes, but his grew as he got older, then he went to,,,,,college!
Son: this is less scary then your other scary story.
Me: which one? The one about the guy who got the loan with the 0.4 percent interest and didn't read the fine print and found out after a year it jumps to 20 percent?
Son: I don't even know what your talking about?
Me: I know you don't yet. But some day you will and mark my words beware of high balloon payments.
