In accounting, there's this term called "bad credit", one which is created by a bastard of a debtor who uses all ingenious means to deliberately avoid settlement of his financial liabilities. Being in an annoying predicament of having this kind of bad credit which has remained unpaid for god only knows how long, I'd like to say to my dear clever debtor that I no longer desire to fool myself into thinking that you will ever settle your credit. And what simply adds to my distress is to know that you, my flighty friend, don't at all reflect any sign of financial struggle, what with all your shameless partying and other stupid things that piss me off more than I care to discuss. So on this day I write off all your accounts payable just as I write off all my remaining good regard for you. A Merry Christmas to you, a-hole!