I was activating a new ATM card just now and it was all automated and easy and just as I was finished I made the mistake of coughing -- just once. That activated the auto-voice to go nuts with options ("I'm sorry, I didn't understand what you said...") and I would have hung up, but I wasn't sure if my card was actually activated or if there were one final step... so that eventually led me to being connected to a live person where I had to go through all the security questions only to be told that yes, my card had been activated.
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