Creating Kajabi Site

kajabi-review

Kajabi was originally an idea by Kenny Reuter, who wanted to start a side-business teaching people how to make toys online. Although he was not that passionate about teaching people online, he was passionate about making it easier for people to sell their knowledge online.

The vision was simple. Kajabi founders Kenny Rueter and Travis Rosser knew they wanted to help people monetize their knowledge and premium digital content online. They needed a platform that made it easy for entrepreneurs to do this.

Kajabi is a popular online course creator. It is one of the most popular online learning platforms today. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has helped thousands of people escape from jobs that don’t suit them anymore and have enabled them to realize their dreams.

This review will cover the basics of what you need to know about Kajabi. This includes online course creation, marketing, pricing, and so much more. This will give you a clear idea of the benefits you’ll get if you choose Kajabi.

kajabi-logo

For those of you who prefer a more visual experience, here is a video review from Lane Sebring’s YouTube channel. Do check out our article below, however, because it has a comprehensive overview of Kajabi.

General Overview Creating Kajabi Site

Pros

  • A highly integrated platform featuring a lot of built-in tools
  • Intuitive marketing tools that help you promote and sell your products.
  • User-friendly
  • Great customer support
  • Intuitive course builder and highly customizable themes
  • Uses Wistia as a video host

Cons

  • Kajabi pricing is higher than average prices
  • Students cannot be issued custom certificates of completion by users on the platform.
  • Assessment customization is limited.

What is Kajabi?

Kajabi, in a nutshell, is an online course platform that allows its users to take care of their business using only one site. From course creation to marketing and so much more, Kajabi will take care of it for you.

How does Kajabi work?

Kajabi is built to sell. The platform boasts of how easy it is to use. The first thing you can do is to purchase a plan. You have three options: Basic, Growth, and Pro. These options will be discussed later in this review.

Once you have selected a plan, you can easily set up your account and upload your content. You can upload your video lectures, give lesson titles and descriptions using the lesson editor.

You can easily complete assessments by simply typing the questions and selecting the options (if you’ve chosen the multiple-choice option).

Assuming this is all done, you’re now ready to market your products. You can create pipelines in Kajabi. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. Landing pages can be added, as well as freebies to get leads to submit their email addresses. Video marketing is another option.

Once the prospect is enrolled as a student, payments can be made through the site. All this without leaving Kajabi. Creating Kajabi Site

Now, some features make Kajabi an almost “all-in-one” platform. I will talk about them in the later sections of the review. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.

Why choose Kajabi?

As an entrepreneur, of course, you would want to make sure that you make the most out of your investment. If you have valuable content that you would like to market, Kajabi provides excellent support for your needs. It includes what you need to jumpstart your business, keep it running and growing.

It’s more than simply uploading course content and waiting for students sign in. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. You can do the following and more with Kajabi.

  • Build a website
  • Make course offerings
  • Keep track of student progress
  • Manage subscriptions/payments
  • Run email marketing campaigns

One criticism Kajabi has is on its price. Admittedly, it is pricier than some alternatives. This eliminates the need to purchase expensive plug-ins and saves you time. You also have to figure out how to make the plug-ins seamlessly work together. This takes time, effort, and money. All this could be avoided by using one platform.

Platforms that are well-designed consider what their users need and want. These platforms will provide valuable tools for creating sales pages, emailing your students, and doing all sorts of marketing activities.

So, if you’re a professional looking to sell your knowledge, I would say, with Kajabi, you will be in safe hands. It’s a powerful all-in-one solution for creating, marketing, and selling online courses.

Kajabi: A Beginner-Friendly Tool

Many great teachers don’t have the technology skills to share their knowledge online. Even with the willingness of some to learn, the process can be complex and confusing too. Kajabi creators created the platform so that it is accessible and easy to understand even for those with problems with computer work.

The platform utilizes a visual layout that makes it intuitive and super simple to use. Even without learning how to code, you will be able to create an online business in no time with Kajabi through its drag-and-drop editor.

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Almost “all-in-one”

Kajabi can be used for most things, with the exception of a few features that are still being developed by developers. You don’t need to spend too much time trying to find the right extensions or plug-ins. Imagine, one update could cause these plug-ins to disrupt your business processes.

If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. You can create and market courses using this platform. To entice students to your courses, you can offer discounts, follow up leads, and manage payments from the Kajabi website.

Kajabi’s email marketing and funnel creations are a great fit for me as a busy entrepreneur. It was easy to automate my follow-ups and it is very simple. Creating Kajabi Site

Overall, Kajabi fulfills more than other platforms can do with what it offers.

Tutorials

For people who are complete beginners, there could be some doubt on the truthfulness of this “easy-to-use” claim. But they will be pleasantly surprised to find out that it is indeed true.

Kajabi provides a lot to its users. First, the Kajabi Assistant Bar provides access to a lot of searchable tutorials. Just head to the top and enter any query. It will display related tutorials.

You can also find videos and tutorials on the Kajabi University to help you get started in creating and growing your business. Some of these topics cover creating your online courses, marketing your products on social media and other platforms, and setting up payments.

These tutorials are available in video and text formats for your convenience.

Third, one unique feature about the onboarding process is the 28-day “Hero Challenge.” It is essentially a month-long crash course to help you get your website launched and your business making its first sale. This challenge will teach you everything about the platform and give you strategies to market your products.

If your queries aren’t answered, Kajabi has one of the best customer support out there. Now, if you have the Growth or Pro Plan, you get access to 24/7 round-the-clock customer chat support. With a Basic Plan, customer chat support is available at limited times during the day. Despite this, the support team responds very quickly. I have had no problems so far with their handling of things.

Lastly, there’s a rewards program in Kajabi that is designed to provide incentives for creators who reach their revenue levels and offers some exclusive perks.

Customer Support

Contact customer service if you have a question that is not covered in the Kajabi online guides. So, if you are stuck on an issue, you can always rely on them to provide you with the answers. Creating Kajabi Site

The Growth and Pro Plan gives you access to the Kajabi customer service team 24/7 via live chat.

The Basic Plan does not have 24/7 customer support if you choose to opt for it. However, staff members will only be available Monday through Friday from 9 AM to 7 PM. It functions as a ticket system, but you will find an answer within the day. Even with this, they always reply promptly. They never take too long to reply.

If you’re not confident in your computer skills, the more expensive plans can be worth it. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.

How to use Kajabi:

Creating a Class:

Course creation in Kajabi is fast, efficient, and customizable. After you have given a name to your product, you will see “New Product” in the upper right corner of your screen. There are three pre-built product blueprints that can be used for different digital products. You can also create your own listing. Let’s take a look at each one.

  • Mini-course
    • Although it contains less material than the Online Courses, a mini-course is very easy to complete. This can be used to gauge customer interest as well as build your brand’s value.
  • Online course
    • From short workshops to seminars to lectures about your area of expertise, these are full-blown courses that your students can avail.
  • Evergreen Training
    • The Evergreen Course allows you to keep your product advertised and constantly making sales. Essentially, after you launch it, it will keep creating passive income for you. This option, aside from marketing, allows you to drip feed your content to students to keep them interested.
  • Blank
    • If you’re an advanced user and want to fully customize your content, this is a good option for you.

Creating Kajabi Site

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You can use Kajabi’s intuitive editor to upload your courses. These can be uploaded from your computer, Dropbox, or Google Drive.

Kajabi supports many file types. You can add audio, video, pdf and text files to your lessons. Wistia provides video hosting for Kajabi, and it is great because you can upload in bulk too. Creating Kajabi Site

How to Upload Your Content

Videos

Kajabi offers built-in streaming via Wistia as an video host. You will see an icon and be asked to upload a video or assessment.

You can upload multiple videos at once without worrying about bandwidth. All Pricing Plans at Kajabi include unlimited bandwidth. Uploads can be made from your computer, Dropbox or Google Drive. You can also upload via URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.

Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This saves you the hassle of going through the posts and uploading videos one by one.

With Wistia being the video host, your subscription will be worth it. Wistia standalone subscriptions can cost $99 per month. If you take a look at the cost, with $20 more, you can already get Kajabi’s Basic Plan at $119/year with its features. This is a great bargain.

Assessments

Assessments can be a great tool to measure student engagement and learning. Students can gauge their understanding of the material by seeing how they do with lessons. This can motivate them to work harder. You can also use this feature to get feedback from students about your products and if you opt for content locking.

It takes less than two minutes. Open the People tab in the Dashboard to create assessments. Choose Assessments and then +New Assessment and finish the prompt to begin customizing.

A nifty feature is that when students do not fully succeed on the assessments, it can be set to automatically send out additional materials to help them.

Now there are some drawbacks. First, I have observed that the user cannot include both a video and an assessment under the same category.

It does not support randomizing questions, nor question banks. Although, it does support assessments such as multiple-choice questions and paragraph-style questions.

Students can also upload files to be checked through the assignment submission feature.

Photos

For your lessons, you can upload a poster photo. Pictures help to set the tone for your website and give your students a visual preview.

Click on the Pick File button to upload images.

Certificates

Kajabi is almost an “all-in” platform. This is due to its inability to provide certificates to students who have completed the courses. While Kajabi does allow creators to give out certificates of completion, you cannot make them onsite.

These certificates can only be created using third-party services such as Canva, Google Slides and Accredible.

Personally, I do not mind this for my business, but some would find it a minor hassle.

Another thing, Kajabi does not indicate the amount of time spent studying the courses or any continuing education credit. This can be a huge deal for people who wish to choose eLearning to earn credit. This should be something that Kajabi creators ought to seriously consider.

Downloads

Even if we call it online students, some do not necessarily stay online for the whole duration of the course. Some students download course materials and complete tasks offline. This feature was added by Kajabi to make things easier for students. This can be found in the Downloads section on the right side of the page.

Students will be able download any material that you have placed while they are in a lesson.

Body

You can choose to add a description or even a transcript for your videos. Some students prefer to read transcripts rather than watching entire videos when they review.

If you choose to only add a description, it will help students know what the lesson is all about and what topics will be discussed in the video. Creating Kajabi Site

Student Interactions

Community

It would be wonderful for eLearning platforms to allow members and students to interact with one another and discuss topics in their course materials. This is similar to what they would do in a classroom setting. Over the years, some have utilized Facebook groups, but that would require you to join Facebook and apply for the group membership.

You don’t need to leave Kajabi in order to interact with your students or with each other. Kajabi has a fully integrated feature called the Community. This is one of their tools for student engagement.

Your Community can be protected with a paywall so that patrons have access. This Community will allow you to directly address student queries and give students the chance to do the same with each other.

Because you can make the Community available as a standalone product. You can also buy access to the discussions for those who don’t want to purchase the whole course.

Organizing Your Topics

One problem that forums have is the lack of organization. It may be hard for both the creator and the students to keep track of specific topics. This is something I noticed in many Facebook groups. This makes it hard to listen to your audience and understand them.

In Kajabi, the page administrator is allowed to organize and reorganize the feeds. They can sort the posts by topic and also ‘pin’ specific posts for better viewability.

Overall, the Community feature is one advantage Kajabi has over its competitors. This feature is very beneficial to entrepreneurs who run an online school.

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Content Access

Depending on your style, Kajabi gives you the option of how your students receive your courses. You can either allow them to receive all the classes and resources at once, drip-feed them on a schedule, or lock your content. This last option tends to increase student engagement because they must complete the lesson before accessing the next. Creating Kajabi Site

Dripping Course Content

You can choose to drip-feed your courses after a pre-set duration instead of allowing your students to receive everything all at once.

When you drip-feed your content, you can keep your student interested in returning to your page to check for new content. Second, this will prevent them from jumping too far ahead and skipping possibly essential parts of your course.

Third, it is a valuable feature for when you decide on a membership type.

Content Locking

Content locking forces your student to finish a lesson before they can gain access to the next one. You can end your lessons with an assessment to be completed. You can increase their participation and keep track of how they understand the lesson material.

Course Analytics

Kajabi prides itself on providing the best tools to help entrepreneurs handle their business with the course analytics. It creates heatmaps and videos stats. It will give you insights into which parts of your courses are performing well and which need to be improved.

It also provides information about your affiliates, students, sales transactions, and other relevant information that could help you optimize your products.

Play Rate

The play rate gives data on how many people have watched a specific video. I mentioned that some students prefer to download the course material and read the transcript rather than watch the video.

Average Engagement

The data you receive here is the average percentage of the whole video that your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.

Visual Engagement Viewer

This will create a graphic overlay for your video. I find this quite handy as a visual learner myself. I am not able to process information well when it’s all presented in blocks of text. I prefer having my data in graph form.

The Visual Engagement Viewer displays a report on your students’ engagement with specific parts of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.

Viewer Heatmaps

Now just because your students opened your videos does not mean that they are watching them. It could have been running in the background, while they did something else. Creating Kajabi Site

The Viewer Heatmap allows you to see which parts of the viewers are not interesting to your students, and which ones they have viewed repeatedly. It could mean that these are parts that they found interesting or they found difficult. Thus, there was a need to rewatch to review.

You can trust that Kajabi will provide you with a valuable array of analytic tools to better your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.

Blogging

Strong blogs can make a big difference in promoting your company. Current students can receive updates and more information about your products and services while new customers are introduced to them. Having a solid blog boosts traffic for you and generates leads that would transform visitors into potential students.

Kajabi still has a lot to do in this area, however. This is not as good as WordPress. Despite its limitations, Kajabi’s ability to store everything in one place makes up for them.

Basic HTML Know-How

You don’t need to know how to code in order to create your website or customize any Kajabi-related items. However, it is a good idea.

You will need to learn basic programming to personalize your Kajabi blog’s photos. When you upload a photo on top of a blog post, it will show up in the recommended image size. Kajabi works with HTML. You would have to fiddle with HTML to change some of the dimensions. This isn’t too difficult. With a quick search on the internet, you will find plenty of tutorials to do some basic coding.

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Text wrapping is another thing you should be concerned about. Without HTML, you cannot change the way text wraps around images in your blog.

Lastly, there is a lack of an image bank in Kajabi. If you wanted to add a photo that you have previously used in other articles, you would need to upload it from your computer or sites like Google Drive again. These are the things Kajabi will hopefully focus on in his subsequent updates.

Tagging

While I enjoy most of Kajabi’s features, one thing that gripes me is the hassle of being unable to pick from existing tags in my post. The tags don’t show up as suggestions, unlike other blogs that allow you to refer to past tags.

It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Creating Kajabi Site

Marketing Tools

These are Kajabi’s most vital support for its users. Kajabi is built to sell. Your business will be safe with so many marketing tools. There are automation, pipelines and many other features. We will be discussing a few of these features in this section.

Pipelines

Kajabi has a pipeline built into platforms that will simplify sales and marketing. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. You can have three, fifteen or 100 pipelines depending on which Price Plan you choose.

Kajabi will give you a visual representation of your schematics, and editing is easy and intuitive. There is a drag-and-drop editor for you to add videos, offers, images, and other elements that can help you achieve high conversion rates. There are suggestions if you don’t know where to start.

Kajabi provides blueprints to help you start your pipelines. The blueprint you choose will help you set up funnels including landing pages, email automation and offers. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.

With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.

Affiliate Program

The Growth and Pro Plans are required to access the affiliate program. Now, you and your partners can efficiently market your goods and with the program. It becomes easier for you to give them the agreed-upon commission. A private dashboard will be available to you. In it, you can see statistics of clicks, conversions, and other pertinent data to help you market your business.

Automation

Email Marketing

Kajabi is your business made easy. You can quickly launch email marketing campaigns depending on the schedules you have set. This feature allows you to decide on the sequence of the mails, add multiple emails to be sent out in the set sequence, and upsell additional offers. You can also use templates to suit your email purpose. This freedom is not available in many other options.

Let’s say a visitor adds a product to their cart, but they have not made a decision to buy. Kajabi can send them an email reminding them about your offer. With this, you do not have to manually track the number of sign-ups from your email campaign. Just relax and see the improvement in your conversion rates.

Of course, if you choose to use other email platforms, you will find that you have many options Kajabi can integrate with.

Marketing Partners

You can run your business under one platform, and Kajabi’s integrations help make that happen. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Creating Kajabi Site

How to Price Your Products

There are several factors that you need to consider when pricing your courses – time spent in planning the content and creating it, charging for your expertise, operational costs, and so on.

Kajabi provides a simple way to price your products once you have established the price. Click on the Offers tab to the left and select ‘Add New Offer’.

They can be sold individually or packaged together. After you create a new deal you will be prompt to enter title offers, product and cost. You will now only be able choose one product. However, there will be many options available for bundles and payment options. You can also decide on the currency of your product’s price.

If you are worried about people not being able to afford your course, you can set it up in multiple ways:

  • Free
  • One-time Payment
  • Multiple Payments
  • Recurring Payments

From here, you may also create coupon codes or generate bulk coupon codes as well as special offers that apply to the coupon.

Payment Methods

Kajabi uses Stripe or Paypal to process payments. You can customize your checkout to create flexible payment options and offer custom payment options for students. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. But, you do have to answer to the cost of its payment method partners.

One convenient thing about partnering with Paypal is that it makes it easier to pay affiliates their commissions through Paypal Mass Pay with an exported list of all your affiliate sales.

It is also easier to request refunds. Kajabi allows you to do refunds without needing to leave the site.

Kajabi Pricing

Kajabi’s pricing may appear to be higher than that of other sites as previously stated. Because of the platform’s cost, most individuals would undoubtedly be hesitant to use it. 

Kajabi is a never-ending investment. Kajabi is not just a course-building platform. Even though it’s a bit more expensive than other platforms, keep in mind that you do not need to pay separately for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. Prices are higher than competitors due to the large suite of tools. But, Kajabi still provides the best value for money out of all other platforms.

All three pricing plans offer unlimited bandwidth, unlimited video hosting via Wistia, and 0% transaction fees. It also has chat support and assessment features. 

Below is a detailed breakdown of each pricing plan to see how they differ. Creating Kajabi Site

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Basic Plan

The lowest-priced plan starts at $149 monthly. You will only have to pay $119 if you are billed annually. 

The basic plan is the most affordable option. However, you are limited to having only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products. 

However, landing pages and marketing emails are unlimited. The Basic Plan might not contain some of the essential marketing tools you would like to use for your business. Although Kajabi has excellent customer care, you would need to limit your queries to office times. Unlike with the higher plans, they have access to a 24/7 live chat with customer support. 

Growth Plan

You can subscribe to this tier for $50 extra and get five times the number of courses. The monthly price is $199, but if you pay it annually, it will just be $159. 

Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. So when you buy a higher-tier plan, you are not paying for new functions but expanding the ones you already have. Kajabi also doesn’t charge a transaction fee for any sales made on the site.

You can build new goods, pipelines, and members at the second level. White-labeling, affiliate marketing, and automation are just a few more reasons to acquire this plan. 

  • White-labelling – With this, you can remove Kajabi branding from your website and fully make it your own. 
  • Affiliate advertising – well-known online sales strategy. Your products will reach a bigger audience thanks to your affiliates. For suggesting your products to their audiences, your affiliates will be paid commissions. 
  • Automation – Automation, as previously said, makes it easy for you to follow up with your students. The system then uses a prompt to automatically send out the predetermined response. If a student is falling behind on examinations, for example, you can send them an automatic email with extra course materials. There’s no need for you to manually follow their progress. 

We understand that you are not in the business solely to make money as a creator. You want your products to be worthwhile. This is beneficial from a business standpoint since if consumers are getting their money’s worth, they are more inclined to return for more. It’s a win-win situation for both parties. 

Pro Plan 

{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week. 

These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million. 

Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. Creating Kajabi Site

If you chose Kajabi’s Pro Plan, you could set billing monthly for $399 or yearly for $319. Take note, this is a massive investment that you would need to consider. Most big companies or those with a good amount of courses to sell choose this option. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set. 

Moving to Kajabi

If you’re not new to course creation, you’ve probably utilized various platforms. It’s fantastic that you’re still researching company choices and looking for ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform. 

Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed. 

Another thing to note is that your members will have to reset their passwords due to a security issue. This is good news for you and your members. Kajabi takes your business’ security seriously. This means that other platforms will not have access to their information once the move is made. 

Conclusion

For many creators, Kajabi is a popular choice, and it has a lot to offer for the price you choose to pay. It comes with exceptional customer service, a well-integrated system, and is extremely user-friendly. 

As stated earlier, Kajabi aims to help you streamline your business process in one site and make it profitable. With its many marketing features, it gives you the edge to push your products to new heights. 

Now that you’ve read this review, you have a better understanding of the advantages and disadvantages of using Kajabi. Overall, I believe Kajabi is an excellent tool for managing your business, from conception to marketing. Creating Kajabi Site

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Frequently Asked Questions: Creating Kajabi Site

  • What does Kajabi mean?

    • According to its founders, it is an aboriginal word that means “to take flight.” 
  • Is Kajabi free?

    • Kajabi does not currently have a free plan. It does, however, offer a 14-day trial period during which you can test out its features. 
  • Is Kajabi worth the money?

    • This is dependent on your business requirements and how you can make the most of Kajabi’s features. Kajabi is well-known for being user-friendly and for having a number of built-in integrations that help streamline business processes. You also receive excellent support. 
  • Is Kajabi easy to use?

    • Yes. Kajabi is easy to use. In fact, because of this, thousands of course creators have it as their platform of choice. 
  • Is Kajabi accessible via a mobile app?

    • Yes. Your students have the convenience of accessing Kajabi via a mobile app. It is available in both iOS and Google Play. 
  • Can you use your domain? 

    • Yes. With a Basic Plan, you can create a custom domain with Kajabi’s branding (yourdomaintitle.kajabi.com). You can choose to remove any traces of Kajabi’s branding and create a website that is purely focused on you with the Growth and Pro Plans. 
  • Does Kajabi have transaction fees?

    • No. There are no transaction fees, but you can still be subject to pay the standard Stripe merchant processing fee. 
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