What causes Procrastination?

During this week, we are working on the answer to my biggest hurdle:  procrastination.  Is it laziness?  Is it something else?  What causes it? 

I have been asking on Twitter, facebook and everywhere.  Love the responses I’ve been getting so far. If you want to include your answer, you can leave comments.  We want to know:  what is the cause of procrastination?  What has procrastination cost you?  What payoff do you get from procrastinating?

I want to hear from you.  Tell me all about it.