recently, a bank was trying to decide what fee to charge for "expedited payments"long dash payments that the bank would transmit extra speedily to enable customers to avoid late fees on cable tv bills, electric bills, and the like. to try to determine what fee customers were willing to pay for expedited payments, the bank conducted a survey. it was able to determine that many of the people surveyed already paid fees for services that exceeded the maximum fees that they said they were willing to pay. this illustrates that