Overall, there is no way that we can sustain growth of the kind that we envisage, 8 per cent plus annual growth, unless the whole education system, primary, secondary, vocational and higher is revamped.
*  *  *  Thank you for the invitation to speak today on an issue of great interest to many of us, that is, compliance-risk management and supervisory expectations. Over the last few years, legal and regulatory compliance breakdowns have attracted increased attention across the financial industry.