The other thing I remember from the conference call other than...

The other thing I remember from the conference call other than Square update on 1M NPAT for 2020 ( from 8 months of CFG i.e Nov - June )and 3M for 2021 was that some of the CFG's divisions from their equipment finance part, the CFG rental and CFG consumer ( which was selling solar panels to residential home owners ) took up a lot of the staffs time but were for little profit and they will prob look to divest them or if they can't then put them in run off. The CFG commercial part was the profit engine and the bit they wanted the most in equipment finance. Cost saving to be had from not needing the extra staff required for those parts too.

Also, they had been watching CFG for some time and had tried to purchase the business a few years back and had hired some of their senior staff - I think it was one from CFG equipment finance and this person helped setup CML group equipment finance division. Obviously, they know CFG quite well and should help with the integration.