Always, at the very busiest and most expensive (for us) month of the year (in Dec., at Christmas time).
And, besides, my husband and I made a compromise agreement as to the amount to pay--but then he would 'cave-in' when he submitted 'our' check. By this, I mean paying far more than I thought was plenty for a one-member active family, and submitting it 'in secret', so that I would not see the
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