I have a request I need to make.  Due to current economic conditions, I would like to request payment by check or cash, instead of credit or debit cards, when convenient for you.  This will help me avoid, what have become, significant credit processing fees.  According to the agreement businesses sign with the processing banks, we agree not to charge clients extra to make up for this fee, and I intend to continue to respect that policy.  Payment by credit and debit cards will still be accepted.