Which money moment at the end of a meal out makes you squirm the most?

Someone says it cheerfully, like it's the fair option. You smile and nod while quietly doing sums in your head.

The machine beeps in that unmistakable way and the whole table goes quiet. The waiter looks anywhere but at you.

Suddenly everyone's a maths teacher and nobody agrees. Someone always mutters "they've already added it, you know".

They breezed through the fancy end of the menu, then reached for their purse very, very slowly.

Cash gets shoved into the middle of the table and it's somehow eighteen quid short every single time.