Discussion, page-21

The macro economic headwinds mean BNPL had no future as inflation on essentials ( non - discretionary) spending means that there will be no available budget for discretionary spending on which BNPL depends.

Prices of food energy and accommodation may go through the roof.

Farmers are being paid not to plant this year's crop, over 20 major food distribution centres have mysteriosly exploded in the last year and pigs and poultry are being slaughtered in their millions for a supposed outbreak of various animal diseases.

Zips introduction of the pay anywhere facility will see people turn to it for essentials on which they will earn gross 1 percent but bad debts will be more like 5 percent ( Same for Klarna APT etc)

On the 25th October 2021 I warned that the next scandemic will be Ebola/ Marburg Heamoragic Fever where people will bleed from mouths eyes ears etc.

This is why travel restrictions have been lifted to blame that for the spread.

It won't be real but the vaccine already developed contains Ricin ( Rat Poison )