What is the sentiment of this news? Please choose an answer from {strong negative/moderately negative/mildly negative/neutral/mildly positive/moderately positive/strong positive}.
Text: Apple Pay Later is Apple's attempt at the growing Buy Now, Pay Later industry. However, the timing is being questioned by some investors. Rising delinquency and loss rates for industry leaders could mean trouble for Apple as the service does not charge interest or late fees.
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moderately negative
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