Thank you, Deputy Speaker. Hon Minister, I am glad that you sound quite firm in regard to reckless lending. Recent reports attributed to the NCR suggest that South African consumers' debt stands at R1,3 trillion. What is even more worrying to the head of the Unisa Personal Finance Research Unit, PFRU, Bernadene de Clercq, is that these borrowings are no longer for buying luxuries such as cars and so on, but for buying essentials such as food, and for paying for transport and kids' school fees. Does the Minister sense or believe that there is a debt bubble on the horizon?