Examples from the Bill include assisting the Land Bank to subsidise the cost of loans to emerging farmers and establishing a market to private companies to fund the retrofitting of municipalities with more energy- efficient technologies. Municipalities will be able to use their savings on electricity costs to pay for this infrastructure. For partnerships with communities to upgrade informal settlements, we have allocated no less than R14,7 billion. The conditional grant system is also being changed to explicitly incentivise greater own- revenue investment by cities in their infrastructure. These measures are complemented by a review of the Policy Framework for Municipal Borrowing and Financial Emergencies to broaden the number of municipalities that can access private capital to fund investments.