Hi Ves Its like a reunion around here. As for the language in...

Hi Ves

Its like a reunion around here.

As for the language in the latest presentations - its sure not how John used to spoke it.

New chairman, new CEO, new CFO, maybe I'm just not good with change???. Watching carefully for now, but given the sensitivity of the numbers to provisioning for impairment I'm nervous given the recent build in receivables and a far lower ROE hurdle target then I would have expected as appropriate for the maturing of that book.

If these guys don't want to see the cost of equity to fund their non-conforming loan book continue rising (i.e. share price falling) they would do well to head your comments about transparency.

16% ROE with a leveraged financial structure on a sub-prime loan book overseen by unproven new management is not a fair go for Shareholders!!!!! The share price is bid down to compensate.