“I stood in so many lines to bring my mum back it wasn’t even funny. I paid the broker’s fees, I paid the transport costs and sales tax up-front, I paid cabbies to ferry me all around town to the various offices I had interviews at, and even so I almost lost my job, because to get a return you have to be in the right offices during the right hours and if you have even a single stamp out of place on a single page of the application, or if you’ve gone to the wrong notary or miss just one appointment, you have to start the whole process all over again, and that can take year.”