they’re basically at break even mate. -55k is nothing. I’d say...

they’re basically at break even mate. -55k is nothing. I’d say the payments impact was due to the lower cards revenue margin which they warned about last qtr, but also the SVB collapse hit payments businesses all across the US because the nation basically froze for a while. Unfortunate timing because q4 is the biggest quarter.

liquidity is looking pretty decent and loan book is performing well and they’re clearly busy…

slamming them for not hitting the run rate profitability is a little nit-picky in my view…. But payments do need to grow better