Good afternoon and thank you for your time. We meet under difficult circumstances in our country. We have all witnessed the disaster that has occurred in the KwaZulu-Natal province. It has affected lives and livelihoods in manner never seen before. Families have lost their loved ones and there is a lot of grief at the moment. It is for that reason that we would like to start by conveying our deepest condolences to all the affected persons and their families.