I was a bit surprised to see Morningstar predicting that - it seemed very pessimistic. I guess we will know soon when the half year gets released. No doubt they will do another update after that and adjust their figures if they are way out.
they seem very negative on the commercial side - I generally like their analysis but they don’t seem to have much faith in Hum. I guess we are moving into a difficult phase.
BOOM - Heading to 90 Cents, page-43
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