That's a fair comment re the Appendix 4C. The main difference...

That's a fair comment re the Appendix 4C. The main difference that I see this quarter is that the company has has no senior debt to service, there are no more covid lockdowns & and clients are no longer persisting with moratoriums on the collection of their outstanding debts. CBA (including its subsidiaries) just this week gave the go ahead for the recommencement of legal action against their bad debtors -- the last of the Big4 to do so. The industry has returned to a state of 'normalisation' and this should start to be reflected in the quarterly reports moving forward.