I’ve never used an ATM, so I don’t know what the fees are…It’s true, I don’t know how to use one…But I could learn how to do it just like I’ve…I swipe to get my own gas, buy groceries. I know about the holograms…I go and get my own seating assignment on an airplane…I mean, I’m not without some skills. I just haven’t had the need to use an ATM.