Chairperson, I agree that, in terms of the timetable, we have been talking about Khula Direct for a while. One of the reasons we have had a bit of a delay was that we had to transition to a new CEO or managing director, MD, and that the new MD took his post on 9 July. Then there is also the question of the board. Notwithstanding those, I think we envisage that the roll-out will hopefully begin before the end of the year, if not, then early next year.
As far as the budget is concerned, even if I had the figures at my fingertips - which I don't, and that's not what was asked in the question - I'm afraid that I am not at liberty to disclose what budget decisions are going to be, ahead of the budget itself. So I cannot give any indication of that.
I want to say that we are aiming at the provision of direct access to the public. Small businesses that need finance should be able to approach the institution directly and make their case directly - that is what Khula Direct is all about - instead of having to operate through NGOs, intermediaries or through the banks. Now, those routes will still be available, but we think that Khula Direct will give greater access to the public. Of course, we are looking at this as an expanding programme as we move ahead. Thank you.