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Mark carney, governor of the bank of England, is ahead of the finance committee meeting Historical costs differ from current values Pull messages are the types which might be initiated from the customer, by using a cell phone, for obtaining information or conducting a transaction in the bank account. Examples of pull messages for information feature an account balance enquiry, or requests for current information like foreign currency exchange rates and deposit interest levels, as published and updated through the bank. Any transaction can be seen as a contract between the two parties. The so-called transaction cost can be seen as the cost of the transaction contract. According to Mr Coase and others, a type of transaction costs arise from the accidental factors that occur when a deal is signed. These incidental factors may not be written into the contract due to the fact that they could not be foreseen in advance, or although they could be foreseen, they could not be written into the contract due to too many factors. Another type of transaction costs is the signing of contracts and the cost of monitoring and enforcing contracts.