Redeye keeps the fair value of Westpay based on the company to be profitable earlier than expected with a lower cost basis after a period of good cost control. The fourth-quarter report showed that the important KPIs are going in the right direction. Unfortunately, we fear that COVID-19 will impact the net sales negatively in the first quarter, but net sales will start to recover from there. We keep the fair value on the back of this and continue to see a substantial upside in the Westpay share.