I decided not to buy into APT at first because I was concerned...

I decided not to buy into APT at first because I was concerned about the ethics of it...
But once I realised they don't extend credit to people who are late with payments, and don't charge interest on purchases...
I was OK with it.
My guess is that APT will come though the Senate inquiry looking better than the Credit Card Companies with their exorbitant interest rates.