Best time to show slowed growth is probably now closer to the bottom. a couple of positives are they are signing larger merchants in the US - Best buy and the physical card is going to begin being used end of this month.
The cash margin went back up to 2.3% meaning when they focus on profits they can change it. However Bad debts in Australia went up from last Q but they don't expect to see changes effect anything until the next Half or FY23.
