Ann: Freedom announces business restructure, page-59

Yep agree debt is not their problem and I dont think short term profitability is either... existing customers and significantly reduced costs. 

Hence if they can come up with a decent operating model, and I am very certain they will come up with a model within next 2 months, this will bounce very hard. 

They have plenty of cash to weather anything short term and st Andrew's isnt the be all end all. Fig is a company that can bring into market other insurance products... they just need to work with the regulator.  

And I dont think Deloitte doesnt have a plan for something... it's not like a top 4 accounting firm just tells a company to stop selling and doesnt have a strategy around it.