Transfer credit Puns

I was registering a vehicle to my name that I bought off a guy who had a lean out on it. The credit union who was holding the title took forever and a day to send it my way. Well in California, you need to transfer the vehicle in under five days of the purchase. Unknowingly, I waltz into the joint expecting a boom bam thank you ma'am process. Low and behold the clerk says I owe a hundred and some odd bucks for being late, but I explained her the situation and since it was not my fault she flopped the form to waive this fee.

I saw my opportunity and I pounced...

"So this is the....Tidal Wave?"

I get a blank stare for a solid ten seconds and she slaps down another form saying that I owe 500 dollars in taxes. Good ol' California DMV.