I was quite pleased with the update no real surprises certainly...

I was quite pleased with the update no real surprises certainly nothing that we were not aware of. NIM and Yield going in the right direction, bad debts still a concern but largely a legacy issue, business is operating cash flow positive with slightly increased unrestricted cash. New finance package from Nomura a huge tick, companies this size know how to do due diligence and are not going to throw $50m a WZR if they believe it is particularly risky. Also capital markets appear to be loosening up a bit as evidenced buy a number of WZR competitors recently announcing much improved funding terms for securitised transactions. Trying to look at the bright side here so next update needs to show a return to loan growth, current balance sheet should allow that, only time will tell and can't expect any SP movement until that is confirmed.