/**
  * typical boilerplate generation
  * @param custom text to customise the boilerplate.
  * @param owing amount owed in even dollars.
  * @return customised boilerplate
  */
static String stomp ( final String custom, final String owing )
   {
   final FastCat sb = new FastCat( 6 );
   sb.append ( "Common stuff xxxx " );
   sb.append( custom );
   sb.append( " more common stuff.\n" );
   sb.append( "You owe ");
   sb.append( owing );
   sb.append( " dollars.\n" );
   return sb.toString();
   }