(1) What was the rationale for the formulae for the calculation of the maximum interest rates applicable to the various credit products in the National Credit Act, Act 34 of 2005; (2) whether research has been conducted on the impact of these formulae for the calculation of maximum interest rates on the (a) number of impaired consumer profiles, (b) over-indebtedness generally and (c) effect on the poorest credit consumers particularly; if so, would he make such research available to Mr G G Hill-Lewis; (3) will he make a policy statement on whether he will support the revision of these formulae?