Fair enough let's discuss.So no the 40% wasn't mentioned in...

Fair enough let's discuss.
So no the 40% wasn't mentioned in March. "That was just my opinion". I agree the 4% was disappointing, but an explanation was offered, it's still disappointing none the less.
but why I'm thinking we will get at least 40% growth.

I've used the growth in payments (150m for in march to be reflected in this quarter, and an extra 100m in June, which obviously won't reflect in this quarter) - the numbers alone on this one, would represent more than 40% - 150m x 1.25% / 4 = $468,750
the 47% growth in lending at an average rate of 19%
the new agreements in agri (New trade finance agreements with facility limits totalling $1m were executed in the quarter, with $636k principal deployed as at 31 March 2022, to enable the client to fund the purchase of livestock, feed and transport costs.) and also manufacturing ("with facility limits already at 50% utilisation".)
increase in James Tyler Agreement (now 40%) - I'd still expect the china lockdown to impact us here.
and just positivity - "The Company is now seeking to expand this portfolio and incorporate the inclusion of
cross-border payments from key Australian Export markets"

if you don't agree, that's fine, doesn't bother me, that's just my opinion, that we will see growth similar if not more than what we saw pre xmas.