break this down for us and look at your financial future, "wall street journal" markets columnist kelly evans. kelly, good to have you with us this morning. in some ways, it's people are outraged, but it's probably not shocking, and this is clearly going to be the beginning for probably every bank, right? >> sure. in a sense, this is the most transparent way banks could charge customers for these accounts, because what we've seen in the past couple years is them using overdraft fee revenue and that kind of thing in order to make up their fee income, which over time has become a bigger and bigger share of their earnings because we have a weak economy, we have very low interest rates. so, for the traditional bread and butter of the banking business, lending, it's hard to make as much as you once did. that's especially true these days when there's little demand for loan. so, banks are under a lot of pressure. on top of that, there's a regulation taking effect this weekend to take the debit fee they take from retailers, basically cutting that in half. so, that's not helping. as a result, they're