Cheers whatup thats helpful to understanding the business. A...

Cheers whatup thats helpful to understanding the business. A couple of things I like about HUB. First there looks to be a lot of fixed costs of salaries and overheads that is the infrastructure to set up and run the platform. Once they get sufficient fees in to cover these costs I would imagine that any new business will be very high to close to 100% margin. So watch the growth of fua they could be very profitable going forward. Another unexpected major positive is the acquisition of the advisory business of Paragem which is not only contributing the lion share of income right now, but will provide symbiotic benefit to the platform business from feedback from advisors to further develop the platform to users best needs.