I agree @Copter, i think $2 would have been a much better...

I agree @Copter, i think $2 would have been a much better exercise price for the options.

In regards to dividends, my opinion is that they should be kept flat. If they do rise, it shouldnt be above 6c p/s over the full year. Assuming reasonable interest on the new dept, there is no reason why we cant grow the loan book, keep dividends steady and pay down some of the existing debt.

I think the ulimate goal for MNY is to not rely on debt to grow the loan book. We need to reinvest profits to grow the loan book and suppliment with debt when needed. If we can do this, no reason why we cant reach that $1b valuation you spoke of.