You [the bank] are not going to be charging me because I’m going to be depositing my money in your bank…If they say no, go to another bank. You are in control. If you had a million, 4% they want. I don’t want to give up $40,000 to nobody. Especially if it’s not necessary. It’s an insult to be charged to put your money in a bank. It’s like a tax upon a tax.