Just thought I would share this post of mine from HLF forum for those who are interested.
Not cross-promoting, as IMO the milk/dairy sector and the BNPL sector are in similar places at the moment. You can substitute everything about HLF and milk/dairy sector from this post and replace it with IOU and BNPL sector.
Cheers.
https://hotcopper.com.au/threads/hlf-chart.6569179/page-105?post_id=60744409
$1 Club, page-29986
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