Thank them hell, it just means you paid in too much and they got an interest free loan for 15 months. Best thing you can do is owe them just enough that you don't have to pay a penalty, That way you are earning interest on thier money for that long. You have to pay it eventually but I like to hold it as long as possible, touch it, feel it, send it letters after it's gone. LOL

KY still hung over from the road.