When the price started to drop this afternoon I was not sure if...

When the price started to drop this afternoon I was not sure if it was just following the market direction due to international news or was it tied to the accounts release?
Back to loss territory and while some of the figures are good, increase in settlements/size of mortgage book, the level of refinance in the existing book and reduced margins are a concern. Commission expenses (page 12) increases by $54m split closely between upfront and on-going trail increases. Paying these amounts of commissions out of revenue does not leave much for remaining business expenses let alone having anything left over for a shareholder. IMO.