@SilverTrade, I know, I don't have APT and can't afford that....

@SilverTrade, I know, I don't have APT and can't afford that. Going to hold Z1P. The management there has a strong retail finance and marketing background, so strategy-wise they should be and are taking steps for expansion, therefore, I am not terribly concerned about the growth. (a few months ago I wrote to them to capture RBL audience too, silly but hey). I haven't researched about humm so can't speak. It is one of those industries that are heavily reliant on the retail users (although all are, some have diversified exposure to B2C B2B etc), therefore, whatever makes it easy for the customers and being in the line of sight is more important I believe.