Breaking Out on Volume, page-27

VT,

You may well to be correct in your predictions, especially if and when we hit some head winds in the property market via rising interest rates, but regardless surely it doesn't make sense that APT has a market cap $700 m in excess of ZML.

Zip at least owns its own lending platforms, conducts genuine credit checks and lends to a slightly more mature market and at present has in bad debts below industry standards (this may change going forward) and also owns Pocket Book.

Surely if forced to invest in one stock over the other based on today's current prices, you would choose ZML at the present time, l think it may be able to provide far better growth and diversity of income streams going forward.

Just my opinion, keen to hears yours in relation to my comments.

Yarra