Ann: Afterpay Funding Position, page-59

You might be indifferent to whether an investment takes 6 months or 6 years to recover. I'm not.

One question you should ask yourself is, why when people are forced to stay home and in many instances lose income (while still having to pay bills) or who are worried about their employment prospects, why would you all just jump online and start shopping?

Seems like wishful thinking and more fiction than reality.