Ann: Zip partners with Facebook, page-76

Seriously Goodfella, you are relentless. Zip is acting as a credit card disruptor. They don't just target discretionary spending now.

if you're so negative, I want you to hear you attack all credit facilities. You should be saying that BNPL and credit cards will be goners.

This is where your bias is, the fact that zip want to be an innovative way to supple credit, but you are still seeing them purely as a discretionary spending app.

you have valid points that I am concerned about, ie low cash flow and dilution of shares, as well as competition risk, but it's so hard to take you seriously when you have too much of an agenda against innovation and Millennials. Millennials account for 50% of the workforce, you can't discount them because you have an agenda. That's just stupidity.