I think the best way to look at the overall profitability question.... No private enterprise will break down discrete costs and discrete revenues to look at line items. It's just too competitive a marketplace to allow that sort of disclosure.
The competitive market does actually moderate itself. If profits are excessive, then other entrants enter that marketplace. The white label industry is a classic example of exactly that. After the competition tribunal order was made in 1996 and surcharging was allowed, this industry sprang up out of nowhere as a result of meeting a consumer need, at a rate that consumers were obviously willing to pay for the additional convenience of having a machine in a local convenience store, less their costs. And they are able to make a profit to continue to operate.
I understand that it's not exactly a satisfactory answer to be told that we don't disclose the individual line item on profitability, but I think you can understand the competitive issues.