reform. We have a law that was passed by Parliament. It sets out that when you are overindebted, there is firstly mediation. You get debt counseling. There is a postponement of the period of the payment of the debt. And, if all else fails, your debt is extinguished; it's removed.
Over and above that, there is an important role for us in public education, financial literacy and in acting against loan sharks. Loan sharks are a pernicious grouping in our society because they trap people in overindebtedness and charge enormous rates of interest. So, it's a combination of this. Finally, we have to prosecute the mashonisas and the loan sharks that in many cases break the law and prey on poor people.