Ann: Change in substantial holding, page-41

Interesting your comment on debt sale and reference to last time they did it was to cover poor performance. The result was short term and long term pain, and if I recall Rivas said outright that he would never do that. I do hope he keeps his word considering the guidance. I don't think the focus is on collections, can't recall any comments in releases. See that the larger contribution of collections is due to significant growth over past 4 years and less buying. From the recent debt sales I expect they are trying to free up cash to right the balance on profit contribution.