The fact is that the only negative things UBS could say are...

The fact is that the only negative things UBS could say are entirely restricted to Australia: Austrac, ASIC, RBA, CBA KLARNA, credit regulation tightening etc. We crush KLARNA in USA and they have been there for a while. Google trends shows as much and we are crushing them in UK too using anything you can measure, web traffic, Google analytics trends, customer feedback.

To respond to the down rampers who have crawled out of the swamp again after going quiet last year.... simply quote them and say "... IN AUSTRALIA ONLY."