APT 0.00% $66.47 afterpay limited

Agreed, and that is correct, sure there will be losses (more so...

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    Agreed, and that is correct, sure there will be losses (more so in the US obviously) but not as much as you may think as I believe most people with absolutely no intention of repaying, will have a history of non payment, and hopefully not given access to Afterpay
 
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Currently unlisted public company.

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