[Charles snorts, a little disbelievingly. He doesn't exactly get the notion of needing a designer spine, of all things. It's a spine. No one is going to see it - hopefully - and as long as it does its job, he doesn't much care what the hell it looks like.]

Obviously putting a bit too much faith in whatever business investments she'd made. Honestly, what about these things make people decide they don't feel like actually following through on their payments?