tell us abot those magical extra fees over and above the capped fees (you believe in magical fairies also???)
tell us again what caused the APT SP to drop in
march 2020, mugf & ms shorting you said (nothing to do with covid19????)
tell us again how a 1% increase in interest will decrease revenue by ~14% (oh wait you forgot the loanbook isnt turned over just once,, but actaully 15X p.a.)
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