Some analysts have no clue. They see a movement from PDLs to collection services as a negative. Not me. More stable income, thinner balance sheet and higher ROA. When PDLs provide better returns, I am sure CLH will jump in. When PDLs are priced high, then at least we can turn to our collection revenue. Some muppet in the herald sun had CLH as a sell and AFY as a buy. I just had to laugh.