Good morning, all, and welcome to the second Market Practitioners Group (MPG) conference. I joined this industry body just over a year ago, at a time when the MPG had already identified a successor rate to the Johannesburg Interbank Average Rate (Jibar), namely the South African Rand Overnight Index Average (ZARONIA). At the time, the MPG commenced the foundational work to ensure a smooth and effective transition away from the use of Jibar.