Bang on............
They should all be awarded honorary degrees in creative accounting.....
Because they know every trick in the book, and invent some others as they go along, in extracting money from the whiteys.....
I know for a fact that My in-laws do understand english very well, the problem with them is that they are either shy and afraid to make mistakes or unsure of their capabilities in actually speaking the language.
I couldn't speak to my sis in law for dear life, but if she is on YM she is ever so fluent in english and near enough word perfect.
I put it down to being just shy.