Two months ago I received a cheque in the mail. It was a refund from HDB, for an unused period of season parking when I shifted house. I had meant to drop it off on more than one occasion. It has found its way from the in-tray to my work bag to my casual going out bag. To write this article, I just extracted the cheque from my wallet. There are some reasons why I have yet to drop it. For one, my daily (or even weekly) routine does not see me pass by a bank or a cheque deposit box. It makes little sense to go out of the way just to drop off the dollar and twenty nine cents. Secondly, when I do pass by a cheque deposit box, I either do not have the cheque with me or I am preoccupied with something else that I have ......