What a great thread. I love it.
I thought of about 10 things as soon as I saw the thread title but some of the older guys (Colin, Anthony, etc) beat me to them. I will add, however, that I remember when 5% chargebacks were the GOAL and I remember when 2.5% was the RULE and then when 1% was the rule.....each time it was going to be the end of the industry.
--T
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