I wasn't really referencing your 1%....but the 33% someone else is adding to their sales.That is only if they want G&S because everytime someone chooses that they push me a little further to the next tax bracket where at the end of the year I will be cost that money. 1% is probably not enough but at least makes it where Im somewhat covering it. If they were taking it out of each transaction individually instead of one lump sum at the end of the year I bet everyone would be on board....