Lastly, there are several objective and subjective factors that can explain the weaknesses in achieving some of the goals and targets of the NDP. Some of these are the slow contribution by social partners in the implementation of the NDP, particularly in the area of job creation; the slow pace of transformation in the financial sector, leading to barriers to entry by the African majority; the slow progress in skills developmental initiatives that are linked to employment creation; income inequalities; comprehensive and integrated planning between spheres of government; and the shrinking of the public purse. Thank you. [Applause.]