Forgot to mention the reply to a specific question about CR was...

Forgot to mention the reply to a specific question about CR was "No CR, we would rather take on debt"

Also the core business of Bartercard is growing in revenue and international footprint.
Within Aust,the company had brought back around 6 or more Bartercard franchises this year and they are now on a growth path as the previous franchisees had become lazy and taking profits within further effort of continually growing their businesses.

Dividends are expected to continue into future years. So thats reassuring.