Well I think this half will be pretty positive with the wind...

Well I think this half will be pretty positive with the wind down of SACC finished in UK and dramatically reduced in AUS, good start in the Auto loans should have continued and we will get the first glimpse of progress with move into MACC.
Cashflow will be obscenely good for the first half and 1c dividends should be quite conservative going forward IMO.
Priced for a big payout in the class action, so this is still a wildcard, could cap upside for a while if they payout on a similar scale to last time but any improvement on thatwould be a big positive.
Considering the regulatory environment and Government and media attitude towards them at the moment a quick resolution would be wise and could be easily be absorbed by the balance sheet, would be dissapointing obviously but it really needs to be moved past to keep a clear vision of the future.