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[Rat_au_van (Em)]

Growth = profitability

So where are Monzo financially at the moment?

That’s correct, that’s been the case since last fall or so. It’s why fresh focus was put on Growth at the beginning of the year. Some of the stuff around that, you’ve already seen - referral bonuses etc. Some stuff will become more clear over the next quarter (more aggressive advertising - not aggressive in tone obviously! but just much more of it happening ). Essentially, even if our customer unit economics don’t improve (which they will and already are doing), this put us at a poin…