Kerry has a bank account at Bank of America (BoA). When Kerry opened the account, she signed several documents, including a standardized form that included certain terms and conditions. Among other provisions, the standardized form provides: 1. that any and all disputes between Kerry and BoA must be sub- mitted to arbitration, 2. that the joinder of additional parties in arbitration is prohibit- ed, and 3. that Kerry and BoA will share the cost of arbitration equally. Over the course of a year, BoA erroneously applies four $50 overdraft fees to Kerry's account. Kerry files a lawsuit against BoA, arguing that the erro- neous overdraft fees violate federal law, and she seeks compensatory dam- ages. Assume, for the purposes of this question, that Kerry is right: the fees violate federal law and federal law supplies her with a private right of action. BoA responds with a motion to compel arbitration. Kerry opposes the mo- tion, and cites that the arbitrator costs $200 per hour and that the proceed- ing is expected to take five hours. You're the district judge assigned to Kerry's case, and BoA's motion to com- pel arbitration is ripe for adjudication. Which way will you rule? Explain why