I just saw a question on "Ask Metafilter" that I know
the answer to, but I am not a member! If you go on
today, you might want to tell "ferocious kitty" that
the 40% tip will no doubt go away when her charge goes
She says "Looking at my online payment record," ...
which makes me think she is checking a pending
transaction. These often have an estimated tip added,
to make sure that a tipped check would go through on
your account. See what I mean?