I apologise if you feel attacked. I didn't like my comment...

I apologise if you feel attacked. I didn't like my comment being completely disregarded by some half winded response with no substance. as I said, there are pros and cons, but I personally believe the pros outweigh the cons.

of course if we were back at 17% interest rates, then the world would be in a completely different situation, BNPL or any other business for that matter.

we must agree to disagree as we seem to have a difference of opinion on how to hedge and negotiate the back end of the business, ensuring interest free BNPL for consumers, who will be even more driven to the model as opposed to the traditional methods. for all we know, the board may be unable to ever successfully cap raise or seek funding injection ever again, which absolutely could impact the balance sheet and debt.

all good, as like you say, it's extremely unlikely at this stage.