Have you been ripped off?  Is there a mysterious charge on one of your bills that you can’t quite figure out?  What is a surcharge anyway?  Have you found yourself trapped in an auto renewal program and the only way you can think of getting out of it is to fake your own death (and even then you’ll still probably get charged)?  Do you find yourself trying to get a refund from a corporation by trying to break through their voice answering system, whose options always claim to have changed, in hopes that at some point you may be able to find a live human voice?  Are you on hold right now, as you are reading this webpage, listening to...