Recalculated October 12, 2026 using the preserved October 4 data and original script.

{'all_records': 503, 'active': 483, 'included': 473, 'excluded_active': 10, 'fee_bands': {'$500+': 17, '$0': 342, '$1-99': 75, '$250-499': 21, '$100-249': 18}, 'zero_share': 72.3, 'positive_fee_median': 99}
business 69 38 55.1
other 404 304 75.2
co-brand 188 143 76.1
not co-brand 285 199 69.8
