Mate, the safer verticals here have longer plan durations and longer cash returns. The game is to cycle cash as the earns are incremental. OPY's business
model is way more conservative, meaning much much slower growth - if you assess a customer as being worttj x $ and you tie that all up in a lower risk, but longer term, plan- where does your usage and growth come from? Their conservatism is their weakness.
do you believe, page-1173
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