The other question I would like to ask is the, the avg balance...

The other question I would like to ask is the, the avg balance per US customer vs acqusition cost of each customer. It seems on underlying sales of 3.99bn with 5.6m active users, it's still a long way from the more profitable ANZ business where underlying sales is 6.56bn on 3.3m users.

If they can improve these metrics in the US considering the marketing spend over there. It would really propel the company. Along with signing up more US based brands who has markets in both Asia and Europe would make those expansions a bit cheaper.