James had $72 in his bank account. he bought a $75 painting from my local artist and paid with a check. he thought the artist will take a few days to deposit the check. he knows he will have enough money to cover the amount of the check once his paycheck is deposited, but he received a text notification the next day that his account balance was -$45. how much was james charge for an overdraft fee? make a claim. include textual evidence. show reasoning.