zone 2,027,488,000. >> adjusted for placement as well as credit card late in the one 100% of what the minimal paymentat is so a lot of these numbers are arbitraryof and immunity given the industry the way, they don't even have to prove inflation adjustment coincides with cost and what it cost them to do business regarding late fees. >> cfpb according to this reporting in 2020 charged 12 billion in late fee penalties.