Ann: Suspension from Quotation, page-31

So obviously CI1 has multiple different businesses that work in different ways. The biggest impact on profit has been Jimmy embezzling all the cashflow. If a new agreement hadn't been set up to funnel the cashflow from the debt management business to Jimmy's pockets for work he was already doing, the company would be making millions and we'd see underlying profit rising with revenue.

back to interest rates. Banks tend to make more money as interest rates go up as their margins expand. Smaller lenders do as well, subject to the level of defaults. At the moment we haven't really seen any defaults across the industry so even smaller lenders should be making cash right now.