"In fact, you have caused me to reconsider my negativity about...

"In fact, you have caused me to reconsider my negativity about IFL as an investment case despite the various misgivings I have previously expressed."

@rcs1359,

Oh dear. Not sure that was the desired outcome.

I was rather more hoping to learn where I am missing something or making some major fundamental mistake.

Because, based on its current share price, the market is factoring in something very substantial that is going to impair the company's future earnings and, try as I might, I'm just not smart enough to be able to figure out what that something might be.

Which is why I have been looking to people who are of somewhat more sober mind than me, in the hope that they can point out to me where there source of the damage might lie.