Ann: Personal loan facility update, page-6

are you factoring in any risk that Westpac pulls out of the 75mil facility? I don’t see any reason why they would but just wondering as we haven’t heard anything since Nov. 
Also with 9mil in the back at the fy and personal loans just under 50 mil, do you see the extra 15mil funding (from fsa) required to get to 100mil as easy? I understand they may reduce the dividend to 5c to help with this but what sort of cash balance do you think fsa should carry at the least?

also assuming everything goes to plan and they reach 100m while maintain asset quality, and they refinance with a new mezzanine investor and get the equity down from 30% to 10%, where to then? They’d obviously have an extra 20mil cash to fund growth. Any thoughts? 
thanks