thats why i did the example without zip au!!
your rubbish argument of not wanting to onboard risky customer as a cover to why customer rate vs DL rate is so low falls flat when you actually look at who has a higher % of BD!!!
excluding AU its even worse
quad/zip (not AU) bad debt is 1.62% APT 0.92%
that ~75%+ higher
your absoulte rubbish posts shows how much in love with zip you are and attempt to find a positive everywhere.
Affirm vs Zip US, page-46
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