Jamal opened a money market account with $1,000 because he was attracted to its 2.02% APY. At first, he was using it only to save money. But lately he has been using it to pay bills and to withdraw spending money. He noticed that a $15 "excessive transaction fee" had been charged on his seventh withdrawal this month. How much interest will Jamal's original $1,000 earn if he keeps at least that much in his account for one year? Jamal was charged $15 because . What impact does this charge have on Jamal's savings? How could Jamal solve this problem?