Refer to the Business Application, “Understanding Fixed and Variable Costs for Online Sales.” Consider a bank that offers both online and branch access for customers. Based on the costs of service, the bank has decided it should motivate customers to use online services in place of branch services. After several months, they have persuaded over 50 percent of their customers to use the online service for most of their business. However, with the latest profit report, it appears that the bank is actually making lower profits than before. Why might that be?