DeathAndTaxes, you are trolling now. Your mathematics and reasoning ability sucks. You redo your math again and I won't waste my time to tell where you've been wrong. As I said, this business is not scalable and special. not everyone can do this and no one can do it as big as they want. You don't even have the ability to distinguish compound interest rate and uncompound interest rate.

FYI, the COF.NYSE had been treated as a scam on the market years ago, as their reported default rate is unbelievably low. However, they do have their secret tricks and methods to outperform. You would had been the losers who short COF.NYSE at the bottom of its stock price when the troll flying over the Wall Street.