Question: For example, a couple could contribute up to $2,000 annually.
A married couple would only put in $500 per year.

Answer: no

Question: to some extent if they would do something with some of those people but that seems to be a good way to get off for a lot of them too
That is a terrible way for them.

Answer: no

Question: As said before, the decline in household bill/payment volume, so far, amounts to a very small portion of First-Class volume.
The decline in household bill/payment volume amounts to a very small portion

Answer:
yes