I have no ill will towards most holders. Just a selective few...

I have no ill will towards most holders. Just a selective few like tardinator and so on who likes to attack dissent. And I'm not interest in trolling. Just a few observations:

1. Risk management of Z1p is not the best. it's not bad， but still tens of basis point worse than apt. For a low margin high leverage business，20 basis points can be the difference between profitable and not. This is the major risk，and not offering detailed breakdowns for expansion market is a big red flag for me.

2. Internally Z1p does not seem to be too worried. They are still hiring and dishing out 200k offers for Software engineers.