Cards have been hit (after a good jump in Q3) yes (I mean...

Cards have been hit (after a good jump in Q3) yes (I mean everything everywhere has been hit! and it is pleasing to see Q3 was as strong as it was for FXL)... could you elaborate on what you mean by "This is the revenue driver to carry Humm which is a drag"

As at half year (6 months to 31 December 2019), Cards had Net Income of $94.7m, Closing Receivables of $1.5b (up 6.6%) and Cash NPAT of $16.7m. BNPL had $49.1m net income, closing receivables of $642m (up 16.3%) and NPAT of $8.4m... not sure I would say Cards is carrying Humm... humm is doing quite fine in its own right, and will be less hit (I would think) than the likes of Z1P and APT... and while it could be argued the business as a whole couldn't be compared to Z1P and APT, the numbers from the BNPL/Humm division more so can be directly compared to Z1P and APT. And FXL have saved several million dollars in expenses - an 'immediate' boost to the bottom line...