[The] simplicity [of the Program] has kept transaction costs low and helped to create efficiencies that might otherwise not exist.
The program is simple which provides the opportunity for low transaction costs.
The high cost of transactions made the program inefficient.
that more or less cover all of it, thanks for calling
A boy is near the ocean.
A boy is eating Wheaties out of a green bowl.
I know my driving milage, as I lived almost a mile from work.
I refused to obey.
A family is outside.