How do credit card companies make money from cardholders who do not carry a balance?  It seems credit card companies are eager to offer their services to borrowers even if they have a tendency to pay in full each month. How do banks and credit card companies make money from these individuals who avoid interest charges?
How does a credit card company make any money off of me using their card if there are no fees associated with the card (I don't pay any extra) and I pay off my balance on time every month (so I don't pay any fees ever for this either).  Are they just banking on the fact that many people don't do this and end up owing them money?
Where $\phi(n)$ is the Euler phi function, how do you find all $n$ such that $\phi(n)|n$? I use LINQ to Objects instructions on an ordered array.  Which operations shouldn't I do to be sure the order of the array is not changed? Partial adb restore ICS devices support creating backups using adb backup, and restoring them using adb restore. Using adb backup, one can select that everything should be backed up, or only a certain package.  However, adb restore lacks all the options of adb backup. When I call adb restore backup.ab, where backup.ab is only the backup of a single package, the phone shows me a warning dialog saying that all settings are going to be lost after restoring the backup. Is it true that restoring a single package backup wipes all data on the phone? If yes, is it somehow possible to restore a single package using adb restore? Using Gnome 3.18. I share files between other family members, but the default umask on my distro (archlinux) is 0022. So every file/directory created is not writable for our common group.  I tried to put umask 0002 in /etc/profile but the gnome session is still using 0022. It's working for a login bash shell, though.  I also tried to add this line in /etc/pam.d/system-auth:  session   required  pam_umask.so umask=0002  It has the same effect as the one in /etc/profile. I tried  If I change the umask manually in a gnome-terminal shell, then I launch an application from it, say gedit, then the files created by it have the wanted permissions. If I launch gedit from the gnome menus, it doesn't. So my matter is really to set the umask for the gnome session, and I can't find where to do it.  EDIT (to answer Gilles' comment): I'm using gdm 3.18 as the DM. I also tried to add the pam_umask line into /etc/pam.d/gdm-launch-environment. All other gdm-* files contains includes of session from the system-auth file, so they should not need more. It doesn't change anything.  /etc/login.defs contains UMASK 077 but also USERGROUPS_ENAB yes which should set the umask to either 0077 or 0007 for users whose primary group is the username.  The only file that contains 022 for umask in /etc is /etc/profile but that was my first try.  As for /etc/Xsession.d, I don't have this directory. Besides, as wayland is now the default display server, I'm not sure the umask should be set as part of X initialisation, even if I'm still using it myself. QGIS locked into fullscreen mode on Ubuntu 12.04 No crash in this case, but I made the mistake of toggling to fullscreen mode on my netbook running Ubuntu 12.04. It's now impossible to escape , and it seems to have disabled the popout unity launcher as well. Steps I've already taken:   Alt-Tab to move to a different program, then back - QGIS remains in fullscreen Alt-V, Ctrl-F and F11 get no response I've unistalled QGIS, deleted the /.qgis/ profile data folder, and reinstalled. Still launches fullscreen   To add to the weirdness, it now launches - still in fullscreen - into a different workspace than the active one.  I realize this has the sound of a Unity problem, but it's just this program that has a malfunctioning UI.  Thanks to all the crew; this in no way changes my opinion of QGIS as an essential tool. Using the same code behind file for multiple .aspx pages About the localization of a UFD I was wondering, is the localization of a UFD also a UFD?    How would one go about proving this? It seems like it would be kind of messy to prove if it is true.  If it is not true, what about localizing at a prime? Or what if the UFD is Noetherian? Stop setInterval call in JavaScript I am using setInterval(fname, 10000); to call a function every 10 seconds in JavaScript. Is it possible to stop calling it on some event?   I want the user to be able to stop the repeated refresh of data. When does $P(x)=\sum_{n=0}^{\infty}{\frac{n!}{n^n}\cdot x^n}$ with $x\in \mathbb{C}$ converge? Anonymous Internet browsing Could you please suggest me a good anonymous internet browsing application for Ubuntu? Using the same RSA keypair to sign and encrypt The RSA signature operation is basically the same as encrypting with the private key.  In particular, both operations use the same kind of keys.  Is it safe to use the same RSA keypair both for encryption / decryption and for signing / verification? How do I preview tag wiki exerpt? How do I put a link there? I've edited  to include a link into exerpt. But it shows Markdown source of the link instead of actual link.   How do I preview the exerpt while editing it? Where to find syntax and available Markdown features in exerpts? How do I include the link properly? Updating global js variable within function and sending updated to HTML document Can I travel to Canada with valid visa on old/expired passport? I recently renewed my passport. I also have an expired passport which has my Canada visa (visitor's) valid for another three years. I have already used my Canadian visa which is multiple entry. I am planning to visit Canada this summer.  Since my valid Canadian visa is in my old/expired passport, do I need to renew/transfer my Canada visa or can I simply travel with valid visa in old passport? A uncharged capacitor $C$ is connected to a battery with potential $V$. It becomes fully charged and has a charge $Q=CV$ stored on it.   Now the polarity of the battery is reversed. The capacitor will have the charge $Q$ still but with polarity reversed too.  My question is: What is the work done by the the battery?  According to me, during 1st charging it will do a work of $QV$. The energy of the capacitor is also not changing, then what is the work done to change its polarity? GParted can't resize partition, but unallocated partition is available How can there be a directory named `~`? I was trying to test out this buggy/new tool to see how it works, and it prompted me to choose a directory to use for stuff I am doing. From the directory ~/Code/indep, I typed in ~/Code/indep/tarbell. (Stupid, I could have just typed 'tarbell', but whatever.) It prompted me to create it because it didn't exist, I said yes. When I inspected the contents of this directory, here is what I see:  brian@navis:~/Code/indep$ ls ~ project1 project2 project3 ...   I thought "oh, weird, it created a symlink to ~". However:  brian@navis:~/Code/indep$ file ./~ ./~: directory   file thinks it's a directory.   brian@navis:~/Code/indep$ ls -l drwxr-xr-x 3 brian brian 4096 Nov  8 16:50 ~ drwxr-xr-x 8 brian brian 4096 Oct 14 18:42 project1 drwxr-xr-x 3 brian brian 4096 Sep 10 21:15 project2 drwxr-xr-x 5 brian brian 4096 Oct 14 19:33 project3 ...   And so does ls -l.   I thought, "oh, ... is it a hard link? I've never really used those." But I tried to reproduce, and it's impossible to create a hard link to a directory. So... I guess I've narrowed this down to things I don't understand. Did I mount my home directory in this other directory somehow?   My main goal at this point is to remove the reference to my home directory in this folder (rm doesn't seem like the answer), but I'm also curious to know what's going on.  EDIT:   In retrospect, I understand exactly what happened. As was answered below, the program created a directory called "~" inside my current directory. The only really obfuscating fact about this is that I wasn't consistent with how I was actually viewing what the directory was. Sometimes I referred to it as  "~" and sometimes as "./~". It's only if you do the latter that you can actually see what's going on, but until I understood this, I was conflating what I was seeing from using the absolute path of "~" to to what was in fact a local directory. Blender python custom UI button run custom function? What element saved Iron Man from his blood poisoning? I just watched Iron Man 1&amp;2 the other day. I'm new to the entire story. In IM2 we learn that his blood is being poisoned and that he has tried every combination of every existing element as a cure - unsuccessfully. Then he deducts &quot;the key&quot; from the Expo park's plans which saves him. What is that key? What element had he not tried? I realize that the movie story has to be simplified, compared to the original story, so there are probably story elements that I have completely missed because they're only in the original works. We also saw that in LOTR. What is cool about generics, why use them? I thought I'd offer this softball to whomever would like to hit it out of the park. What are generics, what are the advantages of generics, why, where, how should I use them? Please keep it fairly basic. Thanks.