soon very soon say max. 12mths as look at the top line growth...

soon very soon say max. 12mths as look at the top line growth rate and ecommerce opportunities worldwide and that’s why all retail minnows sold out from $40-$8-$40 and only big fundies took over the weak hands....

it’s all about growth I myself buy nearly $5k worth of items through APT every 6mths odd and it helps me budget myself so even things like from Typo I use APT....go figure!!

lots of negates around economies going down and people may bankrupt etc once again I personally think that apt will be last resort to default on as they have no motivation with amounts so low not worth defaulting...

for defaults my sequence would be:

mortgages
business loans
personal loans
car finance
family finances
credit cards
then when maxed all out APT.....!!

think it’s practical....