Copter, fair enough comments I largely agree. I posted recently a link about DCB and what it is if you want to have a look. If Telcos where not willing to have third parties on their billing through DCB then the DCB would not have been viable from the start. There must be at least a niche business there for MBE but a global empire with the current MBE products I don't think so. Slashing spending and concentrating on other businesses for now. Time to pull back on growth in DCB and look for growth in other businesses as they are doing.