Some of my favorite words.....

Free;
50% off;
on sale;
outlet;
refurbished;
I got you a present (in that exact order);
Account settled;
Pay to the order of "my name";

Some of my least favorite words...
You owe..;
your balance due is..;
one size fits all...(who are they kidding);
convenience, processing, application, renewal, overdraft or any other word placed in front of  "Fee" (not to be confused with free);
sold out...;
no longer available...;
please step on the scale...;
I now pronounce you man and wife.