We seemed to have learned very little from the UK debt relief model and instead ploughed headlong into our credit Bill ignoring much of the issues around moral hazard but never let the facts get on the way of a committee Bill.
Then, I want to touch on the German leg that followed and it is important why we went there, because we went there to learn about the Fourth Industrial Revolution. In Germany, the Fourth Industrial Revolution is not an election catch phrase like it is for the ANC.