I do believe we are successful currently with this business...

I do believe we are successful currently with this business model and i think the strategy is a good way to get SMEs in the door otherwise we wouldn't be growing, its great for initial growth as we've seen, obviously a 0% default rate on BIGs part means the business model has been working. At the very least i would like us to re work those percentages with FCC when the time comes.
Back on my point a 0% cancellation fee rate is required otherwise the above will happen.
The chances of that happening appear to be slim based on over 2 years of successful business as youve pointed out.
cheers