Anyway, thanks OP for sharing, I'd like to share my 2 cents hope it helps others.
You're welcome. Glad it's working out well for you.
TBH I had similar results as you did but I got annoyed about the hidden fee - I don't have a problem paying 1.8% or whatever for quality work but don't lie that there's no fee just because average Joe's like me can't figure out better.