Letter writing should be awarded instead of penalized. Current way is not good. I am really not good at writing. Just copy and make a few changes does not make sense to me. Also there should be a least a cap like 5%. I do not mind to pay 5% to support charity. But any fee above 5% is kind of ridiculous. Let someone with talent to write the letter and get some rewards.

If the fee keep rising without a cap, I will try to follow the instruction to build a pool. But at the first glance, the instruction is hard to follow.