stop distracting from the point,
you said a 1% interest increase would hit the bottom line of 1/7 (or 14.3%) this is incorrect (regardless of what % of users use the service (thats you distracting from being wrong)
the high turnover of funds at 15× make a difference to the bottom line of less than 1%. (absolutely regardless of your claims about whos using the service)
dont distract, own you got this wrong
Afterpay Valuation, page-6109
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