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And sometimes (or a lot of times), people with limited skills in their native language.

Customer whose retired dad lived with him (had same name except for middle initial) was a Chrysler salesman when the company was struggling financially a few years ago. Good salesman though and, although he usually got paid at the office, corporate headquarters mailed him performance bonus checks (without the middle initial) for two months after year ended. He worried aloud one day about the store going out and Pop said "Well, hell; it's no wonder they're going broke! They've sent me two big checks lately and they don't owe me a dime!" Salesman cracked up laughing, but graciously never told the old boy what it was about.

Interesting story - about 30 years ago I got a new family for a client - parents and 2 teen-age sons. One son also had same name as his father except for middle initial. When that son showed me his W-2 - it had the father's Social Security number on it. Since he didn't have his own Social Security number with him at the time he applied for the job - he knew his father's number and used that - figuring with the same name IRS wouldn't know the difference.

Or people with just-fine skills in their native language, when dealing with a specialized topic they know nothing about. Especially if they feel like they "should" know something about it.

From: https://www.healthcare.gov/fees/fee-for-not-being-covered/ The 2017 fee for not having health insurance The penalty rises yearly with inflation. For the 2017 plan year, the fee is calculated 2 different ways — as a percentage of your yearly household income, and per person. You’ll pay whichever is higher. Percentage of income 2.5% of yearly household income Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace Per person per year $695 per adult $347.50 per child under 18 Maximum: $2,085 per household

Thanks Max. Fighting with Drake who apparently think there is no limit. Turns out the limit of $2085 is the maximum for the "flat rate" calculation. The 2.5% of a modified household income is an alternate calculation. And, yep, turns out the penalty is the higher of the two...

About that networking...