Yes.
Let me say, Chairperson, we are in touch with the banking sector. We have received communication and also sent communication to the CEO of banking, Cas Coovadia, and we will be sitting down with the banks so that we can discuss innovative and other ways of addressing this question. But we must state that although banks can make a difference, it should be very clear that South Africans should be very prudent in so far as how they manage their mortgages.