Thanks Mondy for your thoughts. I think there's definitely a...

Thanks Mondy for your thoughts. I think there's definitely a story there. It's a good product in an emerging market which has proven itself. Terrible backdrop to try and sell the story though with inflation and everything else going on. Bad debts are horrific too and must be a priority. No idea if Sezzle are any better in this space. Ultimately it comes down to keeping the good customers happy and transacting and kicking out the bad ones. Overtime the portion of good to bad should improve (current portion is just scary). I do think retail banking is in for big changes over the coming decade as the next generation comes through (as does their purchasing power). No idea what is in order for zip in the next 12 months. UBS at $1??? Will be watching closely.