Sure, but that 12% isn't irrelevant, it's an investment. They're investing 12% of lost revenue in future growth. Now, if personal accounts were far less (e.g.

Sure, but that 12% isn't irrelevant, it's an investment. They're investing 12% of lost revenue in future growth. Now, if personal accounts were far less (e.g. 1% of revenue), I could see the argument that they're irrelevant. Maybe I'm just complaining about vocabulary, and perhaps your clarification was what the OP intended.