Ann: EFTPay Partnership, page-14

The partnership with EFTPay is interesting. So if a shoppermakes a purchase at one of EFTPay's merchant stores (eg.Sunglass Hut) andchooses to use Splitit via EFTPay then who fronts the upfront cost of the purchase?Or has all of EFTPay's merchants now accepted instalment payments? If the latteris the case then would their not be a massive opportunity for Splitit as thiswould be their 'in' I guess to acquiring these merchants outside of EFTPay and HongKong?