Most of you guys treated me with derision when I said FY16 would be $56m minimum
Heartland will get there - guidance will be gradually tightened and $51-$55m will become $54-$56m middle of next year
Jeez hope $51m is the low ball be safe warm fuzzy number to keep the faith with the believers - not much more than $48m is it and probably wouldn't even return 10% ROE