Thanks for the post---I believe you hit the nail on the head for most of us---I have two friends of 70+ years---we do get together or talk now and then but truly we are each a posse of ONE!!!
Ask for a 12-month audit for your particular time frame. All the numbers are on record (readings), and you should have them on bills. See what is owed for said period vs what you have paid---this dollar amount will answer the question. It will either be 0$ as you say or some other amount. Either...