On the second issue, which is amending the Banks Act, we are giving effect to the national conference resolution of the ANC to establish a state bank. Today, it's a big day for the ANC because Members of Parliament are implementing the ANC's 54th National Conference Resolutions. The ANC has realised a need to capacitate the developmental state to be responsive to the poor, the working class and the middle class majority. Therefore, the establishment of a state bank is a quantum leap that we have realised.