An editing apparatus and method for dividing or combining a data file that is segmented into blocks of a predetermined data length and recorded in a non-volatile memory. The end-point detector is disposed adjacent the nozzle used to electropolish the wafer. In another preferred embodiment, a payment router together with an issuingsponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day. The oil ejection device is linked by at least one duct to a lubrication device for the gear formed by the cooperation of the teeth of at least one planet pinion with an adjacent pinion.