The commitment fee is a fee paid to the lender for processing, underwriting and originating the mortgage. It is also known as an origination fee.

The next train went at seven; if he were to catch that he would have to rush like mad and the collection of samples was still not packed, and he did not at all feel particularly fresh and lively.

And even if he did catch the train he would not avoid his boss’s anger as the office assistant would have been there to see the five o’clock train go, he would have put in his report about Gregor’s not being there a long time ago. The office assistant was the boss’s man, spineless, and with no understanding. What about if he reported sick?

But that would be extremely strained and suspicious as in fifteen years of service Gregor had never once yet been ill.

His boss would certainly come round with the doctor from the medical insurance company, accuse his parents of having a lazy son, and accept the doctor’s recommendation not to make any claim as the doctor believed that no-one was ever ill but that many were workshy. And what’s more, would he have been entirely wrong in this case?

Gregor did in fact, apart from excessive sleepiness after sleeping for so long, feel completely well and even felt much hungrier than usual. One morning, when Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin.