Finally, the importance they played on everyone having access to debt counselling including the poorest of the poor. That actually proved to be a very important Bill for us and when we looked at what we brought out later and the recommendations was basic education. It was to ask the Minister of Finance to introduce a levy on credit providers and I realised I am into downtime. I want to respect you hon Chairperson and to say that this study visit of the committee was incredibly constructive as all parties will agree. Thank you.