ontract occurred some five years ago. Taylor has not had use of his money during that entire half-decade interval. See Bituminous Constr., Inc. v. Rucker Enterprises, Inc., 816 F.2d 965, 969 (4th Cir. 1987); Atlin v. Security-Connecticut Life Ins. Co., 788 F.2d 139, 141 (3d Cir. 1986) (explaining "the theory that (pre