Agreed. I think 'investors' are simply following others and just...

Agreed. I think 'investors' are simply following others and just taking money out of Z1P and putting it into APT as it is currently seen as the 'market leader'. Z1P, in my opinion, have a much better business model as they target both low and high end consumers (through Zipmoney and Zippay). Their lending criteria is also superior to APT which is clearly seen in its bad debts percentage in comparison to APT. I think it is going to take Z1P a few more announcements regarding new merchants for it to rally again- at least until the next Q results.