Sure.1. $90 m ?I said $80, not $90.$43 million (1H21) X 2 and...

Sure.
1. $90 m ?

I said $80, not $90.

$43 million (1H21) X 2 and then substracting value added discount accordingly plus adding back stable profit derived via capex spending return benefit to arrive at stable Cash NPAT.

2. If you look at FY19 report this company had margins of 21%. I'm discounting this number.
If you look at macro provision overlays on NPAT to arrive at Cash NPAT then with even better credit controls, you will have even better margins than I quoted. Depreciation will not be the same every year, it will be significantly lower in the coming years to yield same amount of profit. 15% is a little conservative. Employment expenses are also going down.