PSG Wealth has a team of skilled analysts who produce regular research on the companies in our universe. In this recording they outline the reasons for their sell recommendation for Sibanye Stillwater. When I tell people I have run the Comrades a number of times, they look at me with a mix of admiration and an expression saying: “Oh, poor you! How can you be so stupid to attempt something like that?” Most of you probably know that this event is the annual marathon run between Durban and Pietermaritzburg covering a distance of about 88 km. So, if I compare the process of providing for retirement and the process of living in retirement with the Comrades race in the next few paragraphs, and next time as well, I hope not to leave you in despair.