Ann: Kleos Appoints SYPAQ as Exclusive ANZ Agent, page-9

Yep ..... hindsight. Longer term though I think there are 2 companies doing what Kleos does, and more and more BNPL co's doing that every day. Their margins are going to get shaved back endlessly as the competition mounts. I wish I had swapped from KSS to the "chippies" 2 weeks ago & then changed back today.
One thing is for sure, the more time you spend looking in the rear vision mirror, the more likely you are to crash. Keep the faith & we can all crack the champas in a year or two. It would be great to be chatting to the same guys still then on the KSS stream.