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There’s a method behind the madness which is automatic 401K contributions, employee health-care payments, other benefits etc. John, the logic behind all this is incremental payments, FREQUENT PAYMENTS, so that both the creditor and YOU are safe. I hope you understand now.. NO - STILL COMPLAINING 4 Lemme ask you a question John... When you eat a burger, do you shove it down your throat or do you take small bites? Exactly, so we ‘ve divided these payments in small chunks which makes them