The future is contested terrain, and it will be determined by our vision of what that future could be and what we, together, do. It is largely in your hands now. Again, thank you for this honorary doctorate. I humbly accept it on behalf of all South Africans who are making a contribution to build a non-racial, democratic and prosperous South Africa. Thank you.
The risk at the practical level is that at this point banking competition will be seen as a missed opportunity, and that this will lead to the idea of renouncing it in the future.