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Was going to pay one of my credit card bills over the phone today, but couldn't get through.  At first I was really frustrated, but then I realized if I had paid it, I wouldn't have had enough left in my account to pay some other bills that were due.  The credit card bill isn't due until next week, and by then I'll have my paycheck from work.  So it all worked out for the best, keeping me from having to tap into my overdraft protection.  Thank you, Jesus!