A method of displaying and ranking certified and user-generated content from an individual user against content from other users. A mixing baffle within the cartridge has a package with a reactant to convert grease and oil, and water into soap. In a typical application, the web-format machines have a pad advancing mechanism and stationary table with a first dimension extending along a pad travel path, a second dimension transverse to the first dimension, and an illumination site from which a laser beam can emanate from the table. From the routing profile of a terminal, the financial processing system determines a financial network preferred by the transaction acquirer for routing said electronic transaction, and from the BIN file, determines if at least one network flag is marked indicating a network’s claim of priority over the BIN.