All of what you highlight could happen. However, the more...

All of what you highlight could happen. However, the more important question, in my mind at least, is whether the stock has already priced those risks in and still presents good value. With the fall in the share price one would have to conclude that the investment proposition is much lower risk now than when it was at $2.20, unless you think the only real new news in that time frame re labour's keenness to look at payday lenders (which mny isn't) and general market skittishness has reduced their earning power to the extent of a 20%+ of market cap....

Personally I think it's lower risk now and I bought more. Time will tell.