Lets just assume, Zip does end up pulling a rabbit out of hat....

Lets just assume, Zip does end up pulling a rabbit out of hat. But with this management at the helm, I doubt they could keep the advantage/improvement. This is the same management who went on a mindless expansion and cash burn rampage. They paid eye watering money for acquiring or investing in other BNPL providers, which are pretty much worth peanuts now. They were running a BNPL themselves, so they should have known that in adverse environment the valuation is gonna fall off the cliff. Therefore, instead of going mindless expansion, may be save all the cash and reduce the cash burn rate for a rainy day situation. Because pretty much everyone knew a recession was in order, just didn't know when.