mr. greer, let me go to you rather quickly. you indicated that these fees, persons usually would have $24 or less in their overdrafts and that it would be repaid in about three days. i think you said the interest rates annually would compete to about 17,000%. correct my pa mistakes, but i think this is great information for me for future reference. >> no, that's correct, congressman. and $24 or less, and what would the typical amount of the overdraft fee be for the $24 or less? >> yeah, enough underneath that $24. so you're talking about it, and it is correct, like routine kind of purchases at the groce ily store, carton of milk -- >> that's what i'm asking, what was the fee that the banks would charge -- >> oh, they would charge $34 on a $5 overdraft. >> okay. i thank you, mr. chairman, and i yield back. >> the gentleman yields back. the hair now recognizes the gentleman from kentucky for his questions. >> thank you to the witnesses for their testimony today. and as the discussion has progressed, i notice a theme continues to