How FC financing works for BIG, page-304

@Warnie I completely understand your analysis and valuation method. I price this higher particularly considering the fact that they will soon fully adopt a similar financing method in the US. The growth in the US is going to sky rocket as they have perfected the sales pitch in the Australian market.

The financing method simply delays the date that the cash in the bank is unconditional or unrestricted. I'm happy for others to see it differently and disagree with me, in the end not everyone sees things the same way.

I previously valued this at approx $5.64-$5.70 however now that I know the financing method will be offered in the US I'm starting to think that $5.64 is too low as the uptake will be much more rapid imo.

I also think that Richard may have been a little conservative with his estimate of 50k SME's this calendar year. Again this is all my opinion and I do not expect everyone to agree.