you have a fifty dollar bill and i give to the barber for my haircut and then he goes and buys groceries with it from the grocer and the grocer goes and gets his car washed fifty dollar goes from place to place and after twenty or thirty transactions the fifty dollar bill belongs to somebody in this for fifty dollars was vi pay by card one point five percent goes to the bank and then if he takes the money i've given him and pays for the groceries will point five percent goes to the bank and after the groceries in the paper when he goes gets car wash one point five percent of this to the bank so after twenty or thirty transactions dollars on the tobacco