My only comment is I am not content to invest in long term poor...

My only comment is I am not content to invest in long term poor stock performance and 7 years is a long time in the investment world. I am an ex-financier from the 1970s and I understand the value and consistency of commercial lending when margins and credit are assessed correctly. That was the reason why I bought into FXL initially. I was caught unawares by sudden SP reductions in late 2015 and early 2016 due to being in a remote area and away from the market during that period - probably would not be posting here now if I had access to the market then and seen the SP erosion. Just to be transparent here I declare that I have traded both ZIP and Afterpay with considerable success but stopped trading both when I considered that there were near term profitability issues for both and they became IMO so overpriced.