Thank you for that clarification. In that case I think some perspective is required. For example, whilst there was a 50% increase in S&W for the year, there was a 280% increase in Operating Revenue. I'm happy with that! Furthermore, I expect the revenue to continue to outstrip S&W by similar margins in the future. The simple fact is that if Wisr are to increase the loan book to $1 Billion in the medium term, they are going to have to take on more employees. If this element of the EOY Financial Report is your (and austrailasydney's) only concern then I wouldn't be too worried. After all, last year's revenue was actually considerably LESS than the wages bill (ie a negative percentage) and that didn't create a barrier for new investors during this year. People recognise that this is a growth stock and see last year's deficit and this year's 56% as temporary necessities whilst the company grows its loan book and heads towards profitability. GLTAH.
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