 Thank you once again as unfortunately, South Africans are protected as consumers or as housing consumers. Let me put it that way. Let me start with what we do as Master Builders South Africa together with our Master Builders Association. Every contractor that comes to Master Builders Association wants to be a member. There's a process in terms of which that contractor or that home builder, if you like, has got to subscribe to a particular code of conduct, the manner in which that person carries him or herself with his clients. Secondly, there's the aspect of quality. Our members are expected to be able to offer a certain type of quality before we can actually take them as our members. So there and there, as a housing consumer, you already have assurance that this person affiliates to this particular body. Therefore, as a result of that, I am likely to get a person that subscribed to a particular way of doing things and over and above that this person is a person that is able to do what he says he is going to do. Another point that I need to make, we also deal with dispute resolution. Dispute resolution that also protects housing consumers as well. If you come to your local Master Builders Association and say, this is your member and these are the challenges that we have in terms of the contract. We are able to look at the contract and find ways in which we can assist you to deal with the problem. Let me go to the legal protection, which is in terms of the Housing Consumer Protection Measures Act of 1998, if my memory serves me well. That is an act of parliament that protects housing consumers against housing defect. But the protection only happens if you have appointed a builder that is registered with the NSBRC. If that builder as well has actually enrolled your house before the house is being built. So NSBRC has got its processes of making sure that the people that are registered as home builders and the people that are enrolling homes of housing consumers are actually in a position to discharge their role. So if it happens or should it happen that the house is not of good quality, you are able to go to NSBRC and make a claim so that contractor will be required to make good the defect. In the event that the contractor will not be able to do so, NSBRC assures you that quality. They come in and correct the defect on your house. So those are some of the protection that South African law offers to housing consumers. So that is there, it has already been there. We urge housing consumers to make sure that before their homes are being built, those homes are enrolled and those homes that are registered with NSBRC as well.