South Africa, Jan. 19 -- I am sure that many of you are exhausted (at hearing about 2020 and moving forward, but we cannot move forward without looking back), and yet would agree with me when I say 2020 is the year we should try to learn from despite business closures, retrenchments, erosion of market share and voice, retrenchments, unavoidable job losses, houses, and cars being repossessed by the financial institutions and the imminent drop in the standard of living.

The government was caught pants down in this instance as they did not plan ahead post the payment holiday period, the moratoriums that were placed on bonds, and the leadership has been invisible to circumvent this debilitating turn of events for the people of South Africa....