Charts - SPT, page-928

Leader board and followers ...not necessary the case. BAL was $8 when A2M was 80c.  Look at A2M now with close to 1b shares. 

Looking at Chris' arguments, I prefer SPT model,  it didnt have debt and uses credit cards already have risk assessed factored in and not likely to come under ASIC scrutiny, targeting $1000 above is more useful for those who need short term loan to purchase household items for example.  But I am still not clear on how SPT makes money out of it. 

I dont have the time to study all of Chris' post and information but in time i may understand a little more.  If some one kind enough to explain in simple plain summary it would be good.