According to a banking insider, 99% of people are forehead deep in deep.
(www.usdebtclock.org)
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Satan says: "You can be in room 1 or room 2. Room 1 is eternal flames. Room 2, there's waist-deep shit."
Relieved, you choose room 2 and Satan ushers you in. Then he says "Okay. On your knees!"
Before you go under, you notice Satan is a banker.