[Hopey]

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This is a riot. The OP must be joking. There is simply no other explanation. The posts he's making can't be serious.

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I was also starting to think this has to be a troll. No one could be this stupid.

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The original post and the first couple of replies sounded kind of normal. It's only when ManyBeers started feeling like people were calling him stupid did he start trying to defend himself with his non-sensical answers. I think he's legit and feels that the bank screwed him over and is shocked that the rest of us don't feel the same way.