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Those credits aren't particularly relevant any more. Several years ago they were essential and made up practically the entirety of their profits, but today they're just a side-gig. In Q2'2022: $300m credits, $16 billion in total revenue, 2.3B in profit.

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I was just going to say this. The credits definitely do not double their margins, it adds 2% to their 11% base margin for a total of 13%

Q2 was 300m hmm? Ok, do the rest of the math at 5% likely-actual or 7% industry average on sales.

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