Indeed. And, in a further stroke of — well, I can’t decide if it’s luck or just a more elaborate version of the old mill-town company-store scam — my employer is my lender. So they can keep getting repaid by keeping me gainfully employed.

On the other hand, I can now never leave their employ, at least not without having to either sell or refinance PDQ.

Did somebody say something about indentured servitude?