  Fusion data for $^{40}$Ca+$^{96}$Zr are analyzed by coupled-channels
calculations that are based on a standard Woods-Saxon potential and include
couplings to multiphonon excitations and transfer channels. The couplings to
multiphonon excitations are the same as used in a previous work. The transfer
couplings are calibrated to reproduce the measured neutron transfer data. This
type of calculation gives a poor fit to the fusion data. However, by
multiplying the transfer couplings with a $\sqrt{2}$ one obtains an excellent
fit. The scaling of the transfer strengths is supposed to simulate the combined
effect of neutron and proton transfer, and the calculated one- and two-nucleon
transfer cross sections are indeed in reasonable agreement with the measured
cross sections.
