[MCNetwork]

Odds are, but not always, a merchant willing to agree to a 1.45 and 10% junk fee doesn't qualify for the crushing rates you speak of. I do believe now more than ever than merchants are savvy enough to find better terms if they qualify, and that's a big if.

I only need to sell a 1.30 and 3% fee and be a hero. I can write those all day long, even with risky deals.