inherited a bankrupt state led by the National Party. We cleaned it. We made it to have money in the reserves. That is why this financial year, we were able to save R16 billion in reserves. Therefore, no can tell us about financial literacy. Many experts here... I see one of them, Ibrahim Patel. As I continue, this piece of legislation will not give a blanket approach to provision of licences as hon Carrim has explained. If a state-owned enterprise wants to establish a bank, it will have to do that in concurrence with the Minister of Finance and the reason being we want to check the financial soundness of such an entity to be able to operate as a bank because the prudential authority regulations will also apply for financial soundness. So we are just bickering. We are following the prescripts of the law.