9 See, for instance, Consolo, A., Langiulli, M. and Sondermann, D. (2018), “Business investment in euro area  countries: the role of institutions and debt overhang”, Applied Economics Letters, July.
I would most especially like to extend a special welcome to our distinguished delegates from sister central banks within the SADC region. I would also like to recognize representatives of hardware and software suppliers who are amongst us this morning.