Great summary and I agree with your opinion, except what we don't know is the magnitude of the losses this year due to extra cost of gaining new business in USA and how many will react negatively if most forget about the long term benefits of the higher losses as against the benefits of increasing new business clients. We never knew why they suddenly raised money at .70 cents last year when they implied not needing any money. It's all a guessing game and all about the timing of when they might start making profits or will they keep doubling up and keep ploughing their surpluses back into fast-tracking their market share grabbing? All comments welcomed.