True that growth is never constant and growing from a smaller...

True that growth is never constant and growing from a smaller base would give us higher growth percentages than growth from higher bases.

As IOU's TTV and NTR grows it will mean we need more cash too.

If we just allocate $25mil for BNPL as the rest are side aside for IDSB and corporate costs, we can see we will need alot more cash sooner than later.

Unsure on why IOU is delaying progress on the funding warehousing which they recently said is pushed back due to covid.

There are companies out there that's gotten hundreds of millions from venture capitals very recently - covid had no impact on this.