Kiwi, if you haven't already I'd suggest checking out the half yearly audio commentary: http://boardroom.media/broadcast/?eid=56676143564ad5103a2bbe00.
Net lending will be pretty flat for the second half due to seasonality and exiting SACC. I think the commentary also suggested reduced marketing spend for 2H.
It's also worth noting much of the PDL purchase increase is from USA ledgers. It now accounts for around ~20% of the total. Worth noting as it's at a lower ROE than the Aussie purchases.
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