You go and calculate DCF in a coal fired thermal project for making a decision whether it is profitable or not, massively scaling business don’t use the DCF model, only idiots like you would do it. Further where is the loss, can’t you see the cash EBTDA is positive and the EBDTA is positive without the one time cost on cash back rewards provided towards the end of the year. Look at the rate of earnings in the US it’s mind blowing. I have been telling you for the last few months that once you have a product which no one else provided then charges can be introduced any time and quadpay did exactly that....I have worked in the banking sector at the senior level for 12 years back home that’s why I knew what was coming, people don’t really care about charges if can add value to the service...it seems you have never boarded a business class else you would be knowing this....lol
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