I am so glad that pay day loans offices are open at odd hours, as opposed to banks, for people like me who tend to need money at odd hours. I decided to take a Sunday off from church and head out to the golf course to play 18 holes. It was beautiful weather, the greens were playing nice and smooth, and I was actually one under par going into the fourteenth hole. That was when I tripped over a lawn sprinkler. When I heard something crack, I knew I was in trouble. By the time I got to and was done in the ER, my wife had to go to get some money for her overnight stay near the hospital. No more missing church on Sunday.