Ann: Appendix 3Y, page-5

I'm not really too sure what you're trying to say but I think if corona plays out so much so that it eats up the 70% or so of FXL's profit that isn't paid out in the form of a dividend, and therefore at which point the current dividend could no longer be paid (as the dividend is only about 30% of FXL's profit), at this point you must be inferring such pessimistic conditions that would accumulate to be a contraction of epic proportions, sending millions of companies broke prior to flexigroup (including, and in particular, unprofitable ones like Z1P and APT) there will be bigger things in life to worry about than money... like survival