And sky business is always accurate. But 2 points on that 1) The .06 is on TTV not on the revenue of the business and 2) it takes into account late payment fees which is from a segment of your customers where the bad debts is coming from. We will charge these guys late fees now and then write off a portion if those fees later as bad debts
APT - can the run last? young kids love it, page-169
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