I want to talk to you about after-pay and zip-pay. I did some research for a client the other day who wanted to offer that to their customer. And I was absolutely horrified at the fees that were involved. I've seen the posters or the stickers when you go into shops, and they offer it. And as a consumer you're going you know, that's awesome. I can buy this now and pay for it later, helps the economy, helps me get the shirt that I want at the time. But then I thought about the ramifications, and what it does is there are two things.

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