Shipton leaned to his right and began to chip away at a large outcrop of ice directly above Dean, laughing as a loosened piece tumbled downward, striking Dean's exposed head, nearly knocking him senseless.
Some cards come with usage fees, however; monthly maintenance fees, balance inquiry feeds and ATM fees (for withdrawals) and others all chip away at the balance.
The key is to create a room that is serene, calm and relaxing - in essence, a room that could quickly chip away at your stresses as soon as you walk through the door.
The more you chip away at the principle, the less interest you will have to pay over the life of the debt.
