"Lapped"? Wish that were so. Without getting into all the details, some of my most enjoyable hours involved reviewing cases and preparing decisions to collect vast sums of money from equities brokers who thought they could skimp on paying correct postage.
Ha! Who cares? I'm not an equities broker and never want to be one.
Enjoy your Yugo (while I enjoy my sports cars). You're closer to the government teat than I am.