Smarmy office-female with lipstick and a pretend smile. Holds a newsletter titled Christian Financial Concepts, which leads you to think to yourself, "Jesus loves the little tax loopholes." Unable to grasp the fact that she can't have both a week's discount (5%) and a government discount (10%). Asks you repeatedly to figure a rate at 15%, her reasoning reminding you a little of the loaves and fishes. You wonder what the "concepts" are in her newsletter?