Remember, they've never paid you late, and you can pretend like you don't know anything about their late payments (a polite fiction, to save them embarrassment)."

Common sense still trumps someone trying to blind you with science - or legalese. 

@Jeff DevilleJeff- Im not sure if there is any exact / proven science behind bandit signs.

If you are half intelligent and somewhat mechanical heating systems are not rocket science by any stretch of the imagination.

I complete ignore it for any calculations because you just cannot come up with a value that has any science behind it.One factor I will agree with is principal paydown.

This isn’t rocket science .

Please don't take it personally, but this just sounds like one of those instances where a man is doing the science without actually taking the time to ask the women who actually are living or doing the study in question - what their reality is.But, even so, even if you regularly fill the dishwasher in your home and otherwise wash all kitchen-related things - do you not first hand-wash or rinse most items prior to putting them into the dishwasher? 

But Sackrete's concrete patcher is better than Quikrete's, the two most readily available solutions.Concrete is not rocket science.

oh okay,  but its cute that you're a physician who thinks he knows about the science behind airborne smoke remnants 

It seems to me like that may be more of an art than a science.