### Comment:
Ladder.

### REPLY:
I can't believe I have to explain this to you mongs but when referencing this statement:  
  
 &gt;they want the account holder to pay rather than to kill himself. 
  
 There's two options laid out, the former 'pay' and the latter 'kill himself'. It was a play on words and some of you really seem to be struggling with it.  
  


### END.