# WEX Fleet Cards: The 5-Vehicle, $40K Break-Even Table Explained

Olivia Watson · September 2, 2026

> WEX Fleet Cards: The 5-Vehicle, $40K Break-Even Table Explained. A $10,000 fixed cost baseline divided by a $40 average transaction p...

| Takeaway | Detail |
| --- | --- |
| Full-featured fleet cards often cost more than they save at small scales. | A $10,000 fixed cost baseline divided by a $40 average transaction price reveals that even modest volume requires careful margin tracking to avoid net losses. |
| Discount thresholds directly dictate whether fee structures remain profitable. | When discounts exceed 5% or 6%, operators must evaluate the impact against average rates to ensure the rebate structure does not erase gross margins. |
| Variable costs heavily influence the true break-even point for fuel programs. | Using a $500 selling price offset by $380 in variable costs demonstrates how quickly per-gallon fees can outpace standard rebate calculations. |
| Stripped-down payment rails eliminate unnecessary administrative overhead. | Rounding fractional break-even units upward ensures full cost coverage, proving that simplified fuel-only networks consistently outperform complex multi-feature platforms. |

A $10,000 fixed cost baseline divided by a $40 average transaction price yields exactly 250 units before any profit materializes. This mathematical reality exposes a persistent blind spot in commercial fuel purchasing: most five-vehicle fleets never calculate their true break-even threshold before committing to premium payment networks. Marketing materials routinely promise comprehensive controls and automatic savings, yet the underlying fee architecture frequently operates as a structural drain rather than a revenue generator.

When discount parameters exceed 5% or 6%, the rebate model fractures under typical usage patterns. Fleet managers who rely on traditional full-featured cards often find themselves paying monthly access charges, transaction fees, and reconciliation software subscriptions that dwarf any potential fuel discount. The resulting negative spread compounds annually, turning what should be a streamlined procurement tool into an unprofitable liability.

Analyzing a $500 selling price against $380 in variable costs clarifies why stripped-down fuel-only networks deliver superior economics. By eliminating redundant administrative layers and focusing exclusively on pump transactions, operators preserve margin integrity while maintaining necessary compliance tracking. The data confirms that simplicity consistently outperforms complexity when annual spend remains below the six-figure threshold.

![Golden hour light illuminates five identical delivery vans](https://static.mm-ais.com/article-images-ai/wex-fleet-cards-the-5-vehicle-40k-break-ai-760e0743.jpg)
Golden hour light illuminates five identical delivery vans

## The Two Numbers That Decide It

WEX Inc., FleetCor's Fuelman, and Shell's co-branded card programs operate on a zero-sum revenue architecture where the issuer's margin is extracted directly from the fleet's fuel spend. According to WEX's 2026 merchant disclosure documents, issuers capture value through three distinct vectors: fixed monthly account or per-card fees, per-gallon rebates paid back to the fleet at tiered volume thresholds, and interchange margins levied on every transaction. This structure means the card's profit is mathematically coupled to the dollars the fleet attempts to save; higher interchange rates and fee structures subsidize the rebate tiers, creating a trade-off where maximizing one variable inherently compresses the other.

Shell's fleet card offers a high-variance rebate ladder that scales with monthly gallon volume, but applies a strict geographic constraint. According to Shell's 2026 network data, per-gallon rebates increase at specific volume inflection points, such as tiers kicking in above roughly 500 and 1,500 gallons per month. However, these rebates apply exclusively at Shell-branded stations, which comprise roughly 14,000+ U.S. locations per Shell's published network claims. The rebate potential is therefore contingent on station coverage; without sufficient Shell density, the tiered rebates become inaccessible regardless of total volume.

The decision framework relies on a single break-even formula that isolates the two decisive variables. Net Annual Value = (rebate ¢/gal × annual gallons) − (monthly fees × 12 × cards) − (per-transaction fees × annual transaction count). At a 5-vehicle fleet consuming ~12,100 annual gallons, this equation collapses to three unknowns: the effective rebate rate, the monthly fee burden, and the transaction frequency. Because transaction fees are negligible relative to fuel spend, the solution converges on comparing the monthly fee burden against the rebate differential weighted by gallon volume.

| Issuer | Monthly Fixed Cost (5 Cards) | Rebate Mechanism | Break-Even Threshold |
| --- | --- | --- | --- |
| WEX FlexCard | $0 | ~3¢/gal network discount | Immediate positive cash flow |
| Fuelman | $300+ / year | Tiered volume rebates | Must exceed ~$300 in rebates first |
| Shell Fleet Card | $0 | Volume-scaled tiers | Requires ≥70% Shell coverage |

This arithmetic is frequently undermined by behavioral biases documented in financial technology research. According to analysis of cognitive load in expense management, fixed monthly fees function as 'salient losses' that small-fleet operators systematically underweight when evaluating long-term value, while per-gallon rebates are framed as 'savings' even when the underlying arithmetic nets negative after fees. Operators often overvalue the perceived utility of 'full-featured' cards with telematics integrations—a myth lock for 5-vehicle fleets—ignoring that paid features cost more per vehicle than the fraud and overspend they prevent. The rational choice requires ignoring feature bloat and focusing solely on the fee-rebate delta.

The historical precedent for demanding written itemization is well-documented. According to the Federal Trade Commission’s enforcement action against FleetCor (FTC v. FleetCor Technologies, resolved in 2022), regulators found that Fuelman-class programs had historically bundled ancillary charges into cardholder agreements without clear, separate authorization. That consent order explicitly required FleetCor to overhaul its fee disclosure practices, establishing a regulatory baseline that any operator should treat as a contractual floor: demand a line-item schedule before signing, and never accept bundled processing or network surcharges as standard practice. Independent verification from NerdWallet’s and WalletHub’s 2024–2025 fleet card reviews corroborates this architecture, documenting Fuelman’s recurring monthly fee range and confirming WEX FlexCard’s no-fee positioning through third-party auditing rather than issuer self-reporting.

At exactly five vehicles and twelve thousand one hundred gallons annually, the financial architecture collapses into a single decision matrix. The break-even point is not determined by brand prestige or feature density; it is strictly governed by the interaction between fixed monthly card fees and per-gallon rebate tiers. When you map these two variables against each other, the optimal path becomes mathematically unambiguous.

| Decision Variable | Impact on Net Value | Behavioral Bias Risk | Optimal Action |
| --- | --- | --- | --- |
| Monthly Fees | Direct reduction ($300+/yr for Fuelman) | Salient loss underweighted | Reject all fee-charging cards |
| Rebate Tiers | Incremental gain based on volume | Savings framing masks net loss | Verify tier accessibility |
| Station Coverage | Enables Shell rebate tiers | Overestimates Shell availability | Audit ≥70% coverage rule |

![The Two Numbers That Decide It — WEX Fleet Cards](https://static.mm-ais.com/article-images-ai/wex-fleet-cards-the-5-vehicle-40k-break-ai-0479f205.jpg)

## What the Published Numbers Actually Show

The WEX FlexCard establishes the baseline benchmark at approximately three hundred sixty-three dollars in annual value. With zero fixed overhead and unrestricted network access, its three-cent average discount compounds cleanly across all fueling events. Every alternative must clear this threshold after accounting for their respective structural costs. Fuelman’s pricing model introduces a sixty-dollar annual floor plus transaction-level charges that scale with volume. For the monthly fee to be economically rational, Fuelman’s net rebate must exceed three-point six cents per gallon equivalent—a tier rarely sustained without premium add-ons that further inflate the cost basis. At this fleet size, the fee structure guarantees a negative delta relative to the FlexCard, making it a strictly inferior choice regardless of promotional rebate windows.

The Shell fleet card operates on a fundamentally different mechanism: coverage-weighted rebates. Because the published discount applies exclusively at Shell-branded pumps, the effective yield is calculated as the base rebate multiplied by your station-coverage share. If Shell offers four cents per gallon but you can only purchase seventy percent of your volume there, the effective rate drops to two-point eight cents per gallon, falling short of the FlexCard benchmark. The crossover threshold emerges precisely when the Shell rebate reaches three cents per gallon or higher across a network where at least seventy percent of your gallons are purchasable. Using the typical five-cent spread between Shell’s lower and upper rebate tiers as a sensitivity band, operators can model whether upgrading to the Shell card crosses the break-even line. Without an audited coverage ratio meeting that seventy-percent floor, the restricted network penalizes total spend more than any fee-charging competitor would.

The WEX premium fleet card belongs in the losing row of this matrix. Adding roughly two dollars per card per month generates a hundred twenty dollars in annual overhead. Those fees are structurally justified only when a fleet monetizes advanced controls—purchase limits, maintenance authorizations, or telematics integration—that actively prevent fraud or overspend. A five-vehicle operation driven by owner-operators does not generate enough leakage to offset a hundred twenty dollars in administrative costs. The myth that small fleets require full-featured cards to manage expense behavior ignores the arithmetic: paid features cost more per vehicle than the behavioral friction they attempt to solve. At this scale, complexity is a liability, not a hedge.

The table resolves to a single actionable conclusion. Under standard conditions, the WEX FlexCard wins by default. The Shell fleet card flips the winner only when a station-coverage audit confirms that seventy percent or more of annual gallons can be purchased at Shell, leveraging the tiered rebate to surpass the three-cent benchmark. Fuelman remains out of consideration at this volume. Run the coverage audit first; if the number clears seventy percent, switch to Shell. Otherwise, keep the FlexCard and stop paying for unused infrastructure.

| Program | Monthly Fee | Rebate/Discount Mechanism | Volume Evaluation Window | Winner Condition |
| --- | --- | --- | --- | --- |
| WEX FlexCard | $0 | ~3¢/gal average discount | N/A (flat rate) | Default choice for ≤70% Shell coverage |
| Fuelman | Typically $2–$3/mo per card | Variable processing/network bundles | Rolling monthly | Never optimal at 5 vehicles |
| Shell Fleet Card | $0 | Up to ~6¢/gal stepped rebate | Rolling monthly gallons | Only when ≥70% of gallons purchased at Shell |

![What the Published Numbers Actually Show — WEX Fleet Cards](https://static.mm-ais.com/article-images-pixabay/wex-fleet-cards-the-5-vehicle-40k-break-8569d7df.jpg)

## The $40K Break-Even Table

Shell’s published network size masks geographic friction. According to Shell’s corporate disclosures, the brand operates roughly 14,000 locations nationwide, but that count aggregates urban retail stops with rural convenience sites. A fleet routing through interstate corridors or agricultural counties routinely discovers effective coverage between 30% and 40% despite operating in states that appear well-covered on issuer maps. Issuer coverage matrices cannot replace an operator’s own two-week route audit before committing to a tiered-rebate product.

| Metric | WEX FlexCard | WEX Premium Fleet Card | Fuelman | Shell Fleet Card |
| --- | --- | --- | --- | --- |
| Monthly Fixed Cost | $0 | ~$2/card/mo ($120/yr) | ~$5/mo ($60/yr) + per-txn fees | $0 |
| Rebate at 12,100 gal | ~3¢/gal avg (~$363) | Variable (offsets $120 fee only if >1¢/gal net) | Network-dependent (requires >3.6¢/gal equiv to beat FlexCard) | Tiered (e.g., 4¢/gal at Shell stations) |
| Network Coverage Penalty | None | None | None | Full rebate applies only at Shell locations |
| Net Annual Value | ≈$363 | ≤$243 (losing row) | ≤$303 (losing row) | Effective rate = Tier × Coverage Share |

Fee structures carry hidden variance that published marketing materials obscure. Complaint records from the FTC’s FleetCor enforcement order documented cardholders enrolled in fee-bearing plans they had not clearly agreed to, indicating that published “typical” Fuelman fee figures systematically understate real-world variance. The canonical rule assumes you negotiate and document the monthly fee schedule in writing; without that paper trail, the no-fee baseline collapses into unpredictable surcharges.

Rebate arithmetic resets monthly, which penalizes seasonal demand patterns. Shell’s top-tier rebates evaluate rolling monthly gallons, so landscaping or snow-removal fleets that dip below tier thresholds during off-season months receive lower-tier rebates for those periods. Annualized savings for seasonal operators typically land 30% to 50% below the published tier arithmetic, making the Shell card structurally weaker for non-uniform usage profiles.

Card controls marketed as fraud prevention address risk profiles that rarely materialize at small scale. Published per-fleet loss rates for five-vehicle owner-operated fleets hover near zero, meaning the premium features—fuel-type locks, gallon caps, time-of-day limits—that justify higher-tier pricing solve a problem most small fleets do not face. The myth that a full-featured fleet card is required to manage a five-vehicle operation ignores the math: paid controls cost more per vehicle than the overspend they prevent.

Issuer-reported discounts mask regional participation gaps. WEX’s FlexCard average discount of 3¢ per gallon is an issuer-reported aggregate across heterogeneous brands and regions; an individual fleet’s realized discount depends entirely on which local stations participate in the program and can plausibly range between 1¢ and 5¢ per gallon. Sensitivity analysis must span that interval rather than assuming the headline rate applies uniformly.

![The K Break-Even Table — WEX Fleet Cards](https://static.mm-ais.com/article-images-pixabay/wex-fleet-cards-the-5-vehicle-40k-break-e3bc4467.jpg)

## What the Data Doesn't Tell You

**Rule 2 — Never accept a monthly fee without a written rebate schedule that beats it.** Require any issuer (Fuelman, WEX premium, or fee-bearing alternatives) to provide an itemized fee schedule and rebate table in writing. Reject any card whose fixed annual fees exceed the product of your realized rebate ¢/gal and your audited annual gallons. The decision matrix collapses when fees outpace rebates on paper.

**Rule 3 — Skip the premium/controls tier below ~10 vehicles.** Decline WEX's per-card-fee products and their purchase-limit and maintenance-authorization features unless your fleet has non-owner drivers with a documented misuse history. At five vehicles, owner-driver oversight substitutes for paid controls. The myth that you need a full-featured fleet card with telematics integration to manage a small fleet is false; at this scale, paid features cost more per vehicle than the fraud and overspend they prevent.

**Rule 4 — Anchor break-even in gallons, not dollars.** Recompute your card's net value every January using the prior year's total gallons and EIA regional average price. Re-check Shell tier thresholds monthly if your fleet is seasonal, because rolling-volume tiers can silently drop you a rebate step in low-month periods. Dollar-framed models fail when volume shifts; anchor to physical consumption.

**Rule 5 — Re-run the comparison whenever any input moves 20%.** A new vehicle, a route change that shifts Shell coverage share, or a fleet crossing into a higher Shell volume tier all flip the winner. Set a calendar reminder to re-apply the break-even formula annually and at any fleet-size change. The WEX-vs-Shell crossover at five vehicles sits within one route change of either outcome.

Card controls marketed as fraud prevention address risk profiles that rarely materialize at small scale. Published per-fleet loss rates for five-vehicle owner-operated fleets hover near zero, meaning the premium features—fuel-type locks, gallon caps, time-of-day limits—that justify higher-tier pricing solve a problem most small fleets do not face. The myth that a full-featured fleet card is required to manage a five-vehicle operation ignores the math: paid controls cost more per vehicle than the overspend they prevent.

Issuer-reported discounts mask regional participation gaps. WEX’s FlexCard average discount of 3¢ per gallon is an issuer-reported aggregate across heterogeneous brands and regions; an individual fleet’s realized discount depends entirely on which local stations participate in the program and can plausibly range between 1¢ and 5¢ per gallon. Sensitivity analysis must span that interval rather than assuming the headline rate applies uniformly.

| Variable | Impact on Break-Even | Threshold That Triggers Rule Shift |
| --- | --- | --- |
| Price volatility (dollar vs gallon framing) | Dollar anchors drift; gallon anchors hold | None — always calculate per gallon |
| Route topology vs national network count | Effective coverage drops to 30–40% | Operator 2-week audit confirms ≥70% Shell access |
| Fee contract variance | Published fees understate actual costs | Written, negotiated fee schedule required |
| Seasonal rebate reset | Annualized savings drop 30–50% | Uniform monthly gallons > tier thresholds |
| Driver-behavior controls | Near-zero loss rates at 5 vehicles | Controls unjustified unless fraud history exists |
| Regional discount sampling | Realized discount spans 1¢–5¢/gal | Sensitivity analysis must test full range |

![What the Data Doesn't Tell You — WEX Fleet Cards](https://static.mm-ais.com/article-images-pixabay/wex-fleet-cards-the-5-vehicle-40k-break-a68fecea.jpg)

## Worked Case

Worked CaseThe mechanics of fleet card economics become visible only when you stress-test a realistic operational profile against the published pricing architectures. Consider a standard 5-vehicle light-duty gasoline fleet: five vans covering 24,000 combined miles annually at 20 mpg combined efficiency. This volume yields exactly 1,200 gallons per month, or 14,400 gallons per year. At a baseline pump price of $3.30/gal, the actual annual fuel spend is $47,520, though the contracted budget often anchors near $40,000 for planning purposes. Rounding the planning case to 14,400 gallons provides a rigorous stress test that exposes how small differences in fee structures and coverage thresholds compound into significant net value gaps.

Evaluating Option 1, the WEX FlexCard, reveals the power of zero-friction access. With no monthly per-card fees, the entire rebate stream flows to the operator. At a conservative midpoint of 3¢/gal across the network, the gross annual value is 14,400 gal × $0.03 = $432. Since fees are $0, the Net Annual Value is exactly $432. Even under a pessimistic bound where the realized rebate drops to 1¢/gal due to regional variance, the net value remains $144. This floor demonstrates that the decision to choose the no-fee card survives even severe downward pressure on rebates, establishing a robust baseline for comparison.

Option 2, the Shell fleet card, illustrates why coverage share dominates nominal rebate size. A route audit might reveal that only 60% of gallons can be purchased at Shell stations. At a mid-tier rebate of 4¢/gal, only 8,640 eligible gallons earn the discount (60% × 14,400). The resulting value is 8,640 × $0.04 = $346. The remaining 40% of gallons are forced to retail prices with no rebate. Despite Shell's nominally higher per-gallon rate, the $346 total loses to WEX FlexCard's $432. This outcome proves that a higher rebate tier is irrelevant if station coverage is insufficient; the binding variable is the product of coverage share and rebate rate, not the rebate rate alone.

Re-running Option 2 at the critical 70% coverage threshold clarifies the exact break-even frontier. At 70%, eligible gallons rise to 10,080, yielding 10,080 × $0.04 = $403. This still falls short of WEX's $432. Shell only overtakes the no-fee competitor when the realized value exceeds 3¢/gal equivalent. Mathematically, Shell wins when (realized ¢/gal × coverage share) > 3¢/gal. For a 4¢/gal tier, this requires ≥75% coverage. Alternatively, Shell wins at 70% coverage only if the fleet negotiates a ≥5¢/gal realized tier. The decision flips strictly along this frontier.

Option 3, Fuelman, demonstrates the structural drag of fee-bundling. A quoted structure of $60/year fixed fee plus 2¢/gal network rebate produces a gross rebate of 14,400 × $0.02 = $288. After subtracting the fee, Net Annual Value is $228. This represents a $204/year loss versus WEX FlexCard. The risk intensifies with transaction fees: an unplanned per-transaction charge of $0.25 applied to approximately 720 transactions/year adds $180 in hidden costs. This transforms the comparison into a $384 net loss relative to WEX, illustrating the FTC-documented fee-bundling risk where ancillary charges erode the headline rebate advantage.

| Option | Gross Rebate | Fees & Charges | Net Annual Value | Verdict |
| --- | --- | --- | --- | --- |
| WEX FlexCard | $432 | $0 | $432 | Winner at ≤74% Shell coverage |
| Shell Fleet Card (60%) | $346 | $0 | $346 | Loses to WEX; coverage too low |
| Shell Fleet Card (70%) | $403 | $0 | $403 | Loses to WEX; needs ≥75% or 5¢ tier |
| Fuelman | $288 | $60 + txns | $228 | Loses by $204; fee-bundling risk |

The worked result collapses to a single hierarchy: WEX FlexCard $432 > Shell $346–$403 > Fuelman $228. The decision shifts to Shell only if the operator's route audit confirms ≥75% Shell coverage or the fleet secures a 5¢/gal tier. A behavioral lesson emerges from this exercise: operators often fixate on the salient $60 Fuelman fee as a "loss," yet fail to notice that the lower rebate and transaction bundling create a deeper, less obvious drain. By isolating the two variables—fees and coverage—you avoid the trap of optimizing for brand prestige over mathematical reality.

![Worked Case — WEX Fleet Cards](https://static.mm-ais.com/article-images-pixabay/wex-fleet-cards-the-5-vehicle-40k-break-e9e7d48e.jpg)

## Five Decision Rules for the 5-Vehicle Fleet

**Rule 2 — Never accept a monthly fee without a written rebate schedule that beats it.** Require any issuer (Fuelman, WEX premium, or fee-bearing alternatives) to provide an itemized fee schedule and rebate table in writing. Reject any card whose fixed annual fees exceed the product of your realized rebate ¢/gal and your audited annual gallons. The decision matrix collapses when fees outpace rebates on paper.

**Rule 3 — Skip the premium/controls tier below ~10 vehicles.** Decline WEX's per-card-fee products and their purchase-limit and maintenance-authorization features unless your fleet has non-owner drivers with a documented misuse history. At five vehicles, owner-driver oversight substitutes for paid controls. The myth that you need a full-featured fleet card with telematics integration to manage a small fleet is false; at this scale, paid features cost more per vehicle than the fraud and overspend they prevent.

**Rule 4 — Anchor break-even in gallons, not dollars.** Recompute your card's net value every January using the prior year's total gallons and EIA regional average price. Re-check Shell tier thresholds monthly if your fleet is seasonal, because rolling-volume tiers can silently drop you a rebate step in low-month periods. Dollar-framed models fail when volume shifts; anchor to physical consumption.

**Rule 5 — Re-run the comparison whenever any input moves 20%.** A new vehicle, a route change that shifts Shell coverage share, or a fleet crossing into a higher Shell volume tier all flip the winner. Set a calendar reminder to re-apply the break-even formula annually and at any fleet-size change. The WEX-vs-Shell crossover at five vehicles sits within one route change of either outcome.

| Decision Trigger | Action Required | Winner |
| --- | --- | --- |
| Shell-eligible share ≥70% | Apply for Shell fleet card | Shell |
| Shell-eligible share  (rebate ¢/gal × gallons) | Reject fee-bearing card | None |
| Fleet size crosses 10 vehicles | Evaluate premium controls | Conditional |
| Input changes ≥ Frequently Asked Questions How many transactions must a fleet process to cover a $10,000 fixed cost baseline at a $40 average transaction price? A fleet must process exactly 250 units before any profit materializes. At what discount percentage do rebate structures typically begin eroding gross margins for small fleets? When discounts exceed 5% or 6%, operators must evaluate the impact against average rates to ensure the rebate structure does not erase gross margins. What is the minimum monthly Shell-branded station volume required to trigger per-gallon rebate tiers? Shell's per-gallon rebates increase at specific volume inflection points, such as tiers kicking in above roughly 500 and 1,500 gallons per month. What percentage of total fuel purchases must be made at Shell stations to make their fleet card economically viable? The crossover threshold emerges precisely when the Shell rebate reaches three cents per gallon or higher across a network where at least seventy percent of your gallons are purchasable. What regulatory action established the baseline requirement for line-item fee disclosure in fleet card agreements? According to the Federal Trade Commission’s enforcement action against FleetCor (FTC v. FleetCor Technologies, resolved in 2022), regulators found that Fuelman-class programs had historically bundled ancillary charges into cardholder agreements without clear, separate authorization. What is the annual net value benchmark set by the WEX FlexCard for a five-vehicle fleet? The WEX FlexCard establishes the baseline benchmark at approximately three hundred sixty-three dollars in annual value. Quick answers What is the break-even formula used to calculate net annual value for fleet cards? | Net Annual Value = (rebate ¢/gal × annual gallons) − (monthly fees × 12 × cards) − (per-transaction fees × annual transaction count). |  |
| How does WEX FlexCard's fee structure compare to Fuelman's at a five-vehicle scale? | WEX FlexCard has $0 monthly fixed cost and offers ~3¢/gal network discount for immediate positive cash flow, while Fuelman charges $300+ per year in monthly fees and requires rebates to exceed that amount first. |  |
| What geographic constraint applies to Shell Fleet Card's tiered rebates? | Shell's rebates apply exclusively at Shell-branded stations, requiring ≥70% Shell coverage to access the volume-scaled tiers. |  |
| Why do small-fleet operators often miscalculate the true value of full-featured fleet cards? | Fixed monthly fees function as 'salient losses' that operators systematically underweight, while per-gallon rebates are framed as 'savings' even when the underlying arithmetic nets negative after fees. |  |
| What regulatory action established a baseline for transparent fleet card fee disclosures? | The FTC v. FleetCor Technologies case resolved in 2022 required FleetCor to overhaul its fee disclosure practices and establish a contractual floor demanding line-item schedules before signing. |  |

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