Why do banks charge a fee on “insufficient funds”

[+shopthebookworm]

Why do banks charge a fee on “insufficient funds” when they know there is not enough? I mean really, think about that and feel free to reply with another philosophical question. You can reach down into the deep recesses of your soul and pull out one can't you?

If you are into soul searching and wisdom or spiritual thinking, we have philosophy and religion on sale today at 20% our already insanely low prices.

Today is Thursday so we are open until 8pm for all you late shoppers! By the way, the coffee shop, accessories, consignment shop are also all open late so why not stop in and see what is new in downtown Powder Town today or tonight? We would love to see you!