He knows a good deal about the payment rate, too. When he first went into business, he expected 95 percent payment, based on the experience at his own office. But just as crime tends to be low on a street where a police car is parked, the 95 percent rate was artificially high: Paul F.'s presence had deterred theft. Not only that, but those bagel eaters knew the provider and had feelings (presumably good ones) about him…