There is a great deal of innovation and change in the financial sector. The arrogance of the ANC is that the financial sector needs you in order to change. Now hon Tobias also says that ... well, she wants to take me to task about financial literacy. Now, I am not the one that sits in the Finance Committee and says they know nothing about finance. Your own members are guilty of that and if you don't believe me, you can refer to the Finance Committee transcripts, where members often say please slow down so and so from Treasury I don't understand