"It may not be showing up in PayPal’s numbers yet. Indeed, by the time you start to see these things on the balance sheet, the damage is irreversible. The question is whether it can still be reversed now." So much Win in that small paragraph alone. So, the numbers are good, put you are not convinced... because why? Ah yes, the damage is irreversible - let's see how we can reverse the irreversible then, shall we? Mind, blown.