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or he is the type of individual that is going to end up having all of these charges to darbear because we have created a scenario where the banks and credit unions are not going to offer the overdraft protection or will close the account. mr. dollar? . . some way or another is, there must be consumers is seeing value in this product, or else there would not be the earnings there is. the issue is disclosure and making sure that those shareholders no through financial education how these work and have the right to opt out if they do not agree. i want to follow up on something said the concept of the province center. we have four ceo s could i ask you to give me a sense of the profitability of the overdraft business, and i m happy to take an answer on return on non-invested capital and margin, whatever makes sense. could we start with mr. staatz, perhaps? i don t have those numbers with me today, but part of our charges not to cover costs, but some of the penalty ....