Good points. I'm still in the process of forming my spreadsheet...

Good points. I'm still in the process of forming my spreadsheet and constructing various facts and figures and manipulations. And NIM's are certainly prominent in my mind, as are arrears, LVR's etc .

But crucially, i think, i would also like to get some kind of handle on the shrinking share of bankruptcy services. I do wonder what this is telling us. If it is an attempt by FSA to maintain their standing as a quality provider of services, which treat their customers well (and so are rejecting more marginal customers), then i applaude it. But i would have thought there are two customers here, the little guy (in financial trouble) and the big guys (the creditors).

I would have thought that FSA, having the largest market share (presumably), would have the clout and scale to cut the best deals (for the small guy) and that this would provide a self reinforcing ability to attract more customers and gain market share.

I'm not sufficiently familiar (at all) so these are more questions than statements.