text:  You still have to look. By the way, that's not saying they're not responsible, but I'm saying that their negligence, you still owe the money, and you're arguing their negligence, and they're arguing you didn't check. That's a defense. Is it much of a defense? I don't think it's much. I think they're liable. I think they have to pay you, but it's going to end up in court or arbitration. But I'm asking you, why don't you look at your credit card bills, your statement?