You have $1,000 in a savings account and your checking account requires a minimum balance of $800. You are earning 1% on your savings account. If you go below your minimum balance of $800 on your checking account, a maintenance fee of $5 is incurred. What is the difference between the interest you earn in your savings account and the fee you pay on your checking account each month if you drop below your minimum? (LO 3-2)