You are 100% correct. It is also very clear that AJX can...

You are 100% correct. It is also very clear that AJX can maintain organic growth at its current rate, but every company (not limited to AJX) must consider what it needs to do, to be able to step over to that next place in its life cycle.

Some will choose to grow organically and other will choose to invest strongly on growing faster.

The clear point here - is that, what a great problem for AJX to have to choose on.

At the end, who really cares how they go about it. Growth is the key for AJX and they will do what is best for the company which in turn is what is best for stock holders.