Who most likely is the man?

W Yesterday when we spoke, I thought the 600,000 dollar insurance policy was best, but after thinking about it some more, I really think 500 will be enough. Is it too late to change it?
M I already mailed the paperwork, but it’s really not a problem. You’re approved for the larger amount, so you can always back off and purchase a cheaper policy.
W And what about the check I wrote you? That was for the more expensive policy.
M Don’t worry. When our payment office receives it, they’ll apply the difference as a credit towards the next payment.