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I am an 82 year old senior woman.  I am tired of people treating me like a foolish child.  Last year I replaced several windows in my house.  They were the expensive double-insulated, energy efficient windows.  This week I received a call from the contractor complaining that the work has been done for a year and that I had failed to pay for them.  My goodness, did we go round and round!  I told him that no one pulls a fast one on this old lady!  Even though I am a senior citizen and was a blonde in my younger days, that doesn’t mean that I am automatically stupid.  I proceeded to tell him exactly what his salesman told me last year:  “In one year they will pay for themselves.”