Company that have moat have a distinct advantage and will very unlikely go out of business. Banks have moat .... that is easily explained. Csl resmed etc have moat ... again the technology and r nd explains this. Xero have moat .... because of their technology and r n d ... that is as close to moat as gsw is going to get. The fact that gsw is able to start up easily and there are so many other compamies in this space suggest no moat in this whole industry
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