The next results are expected to show a fair upturn in the US,...

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    The next results are expected to show a fair upturn in the US, but the Australia and particularly New Zealand results are guaranteed to be a shocker. Revenue will be down following the run up to the new credit licencing laws but hopefully arrears can be managed. NZ is in a full blooded recession and Australia has massive credit arrears - mortgage, personal loan and credit card arrears have jumped substantially, particularly longer term over due debts
 
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