Who is the closest competitor you speak of? Anywho, this is an emerging market and they dont have to be numero uno, there will be other companies doing the same thing, they simply need a small percent of the market to be profitable. Examples would be things like fast food, they all do the same thing, but there are tons of them and for the most part, market aside, they all make money. Some more than others. Reality is, when BEHL can get their business model set, running, profitable and BNPD can sell, then there will be a milestone accomplished. Simple?, NO. Will it happen? I truely believe it will. They have come to far to quit now. Just a shareholders opinion.