Massachusetts: I Love You So.
Mood:  d'oh
Loquacious today, am I not? I must confess I'm a bit overwrought.

I'm in the middle of a fiendishly complex research project involving the permissibility of five different kinds of post-delinquency loan charges in each of the fifty states, plus the District of Columbia. Do the math: That's 255 separate issues to research. Oh, and they want the research done, and a full report, by next Wednesday (and I have other deadlines besides).

Worse, most states have hellishly complicated definitions of various types of loan, and there are separate definitions of permissible charges for each. Like "If the loan is secured by a first priority interest in real property and the principal amount is $75,000.00 or less, that is a consumer loan; however, if the loan is secured by a second priority interest in real property and God sends us a sign, then . . ." I'm oversimplifying here, by the way. The actual laws are so fucking convoluted I'm about to cry.

And here's where my shout-out to Massachusetts comes in, because Massachusetts has none of these smoke-and-mirror tricks: A loan is a loan is a loan is a loan is a loan.

Massachusetts, I'm going to kiss you.