There’s no reason to suffer unjustified chargebacks. Only a liar would tell you that if you switch to us that your chargebacks will cease but I will give you advice on how to avoid them and if you do suffer them we work closely with attorneys that specialize in the credit card industry and also a firm that deals only with chargebacks. The fees can be very reasonable and on a contingency basis. And no-we don’t get a referral fee. We just like to help our merchants in any way we can.