They have been very good at decreasing costs with the services business as bankruptcies dropped. What are you thoughts on costs when they are building back their managed debt amounts when bankruptcies return to normal levels? The services business has been a great one to essentially just turn off and collect annuity commissions, although my concern is the upfront cost of onboarding future clients and the impact this will have in short to medium term results.
They have been very good at decreasing costs with the services...
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