Over spring break, you go to florida and accidentally spend too much on your checking account's debit card. when you get back to school, you are shocked to see you owe your bank $220, which you pay back immediately. however, you have not even had time to recover from your sunburn before the bank informs you that, pursuant to the liquidated damages clause in the contract you signed when you opened the account, you are being charged a $55 "overdraft fee" for every transaction you made on your debit card after your balance was $0. unfortunately, you made nine such transactions, which means you owe the bank an additional $495 in fees (9 x $55 = $495). what is your best argument against the overdraft fees?