A QUESTION OF POLITENESS: Is it better to let the poor lady in Hyderabad go through her whole "let's get your account activated today" routine and then say no (because you always say no--honestly, if you fall behind on your payments aren't you going to end up spending the same amount? These protection plans just take the money from you gradually, versus socking you with the fees all at once) or to interrupt her mid-spiel so neither of you waste your time? I go with the former, just because it seems nicer not to try and fluster someone--not everybody can swiftly recover from spielus interruptus, after all. And we're both working for the company store, y'know? Might as well not get mad at the wrong people.