PRESENTATION TO THE PORTFOLIO COMMITTEE ON DEFENCE
Description: PRESENTATION TO THE PORTFOLIO COMMITTEE ON DEFENCE AND MILITARY VETERANS (PCDMV) ON THE OVERALL BENEFITS MANAGEMENT Ms. N Mafu Acting Director General 11 September 2024 1 PRESENTATION OUTLINE Purpose Legislative Mandate Governance Structure
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slide1. PRESENTATION TO THE PORTFOLIO COMMITTEE ON DEFENCE AND MILITARY VETERANS (PCDMV) ON THE OVERALL BENEFITS MANAGEMENT Ms. N Mafu Acting Director General 11 September 2024 1<br>
slide2. PRESENTATION OUTLINE Purpose
Legislative Mandate
Governance Structure
Benefit Implementation Summary Overview
Financial Position of Key Benefits
Challenges and Mitigation Strategies
Institutional Challenges
Enablers for Benefit Provisioning
Conclusion 2<br>
slide3. PURPOSE To provide an account on the work of the Department of Military Veterans to PCDMV on the Overall and Status of Benefits Management. (Military Veterans and their dependents). 3<br>
slide4. MANDATE OF THE DEPARTMENT Legislative mandate of the DMV is derived from the Military Veterans Act 18 of 2011
Key provisions of the Act includes:
the Principles recognized by the state as governing the affairs of Military Veterans and for policy objectives in this regard;
the President is to be Patron-in-Chief of all Military Veterans; benefits relating to Military Veterans;
the establishment of the Advisory Council on Military Veterans and the Military Veterans Appeal Board;
certain functions of the Departments of Military Veterans and to provide for matters incidental thereto. 4 Government Gazette
REPUBLIC OF SOUTH AFRICA
Vol. 558 Cape Town 5 December 2011 No. 34819
THE PRESIDENCY
No. 1015 5 December 2011
It is hereby notified that the President has assented to the following Act, which is hereby published for general information:
Act No. 18 of 2011: Military Veterans Act, 2011.<br>
slide5. GOVERNANCE STRUCTURE 5<br>
slide6. BENEFITS IN SECTION 5(1) OF MILITARY VETERANS ACT 18 OF 2011 5. (1) The benefits relating to a military veteran are the following:
(a) Compensation to military veterans who sustained disabling injuries or severe psychological and neuro-psychiatric trauma or who suffer from a terminal disease resulting from their participation in military activities;
(b) dedicated counselling and treatment to military veterans who suffer from serious mental illness, post-traumatic stress disorder or related conditions;
(c) honouring and memorialising fallen military veterans;
(d) education, training and skills development;
(e) facilitation of employment placement;
(f) facilitation of or advice on business opportunities;
(g) subsidisation or provisioning of public transport;
(h) pension;
(i) access to health care;
(j) housing; and
(k) burial support.
(2) Subsection (J)(b), (d) and (h) also applies to a dependant of a military veteran. 6<br>
slide7. COMPENSATION BENEFITS The DMV commenced with the implementation of this benefit in 2014,
To date 877 military veterans have received compensation benefit
More than 4 000 applications were received for this benefit; however, most applicants did not meet the qualifying criteria.
The medical assessment for this benefit is done by the SAMHS medical panel.
There was a period of about 3 years (Covid-19 period) where the benefit could not be provided due to the unavailability of the medical panel.
The medical panel has since been resuscitated and the backlog has been addressed 7<br>
slide8. DEDICATED COUNSELLING BENEFITS 8 8<br>
slide9. HONOURING AND MEMORIALISING FALLEN MILITARY VETERANS The period under review saw a stakeholder engagement having engagement with Heritage stakeholders (National Heritage Council (NHC), Freedom Park etc.) collaboration on military veteran’s projects that seek to honour and memorialise the role of military veterans in the attainment of freedom.
Department in partnership with various organisations facilitated the exhumation and reburial of military veterans who had fallen outside the borders of South Africa
The department will work with its partners and families in the medium term to ensure that the identified fallen heroes are exhumed and repatriated back to South Africa 9<br>
slide10. EDUCATION SUPPORT The DMV supports both military veterans and their dependents (spouse and children) from grade R–12 and beyond matric.
This support is opened to institutions that are within the borders of South Africa. The threshold at Basic Education is R20 000 and at Tertiary Education is R88 600.
600 beneficiaries have graduated at Tertiary Education in areas such as Medicine, Civil Engineering, Art and Teaching, Commercial Law, Financial Accounting, etc
Preparations including financial considerations and engagements with National Treasury for more resources are underway for 2025 academic year applications 10<br>
slide11. SKILLS DEVELOPMENT A skills training programme is a short programme that has a training duration of up to 12 months.
The skills training programmes for military veterans and their dependents (spouse and children) commenced in 2014/15.
Type of skills being supported include engineering-related skills (e.g. plumbing, electrical, civil and building), security, technology, etc
59% of beneficiaries are Military Veterans, while 41% are dependents. 11<br>
slide12. FACILITATION OF BUSINESS OPPORTUNITIES All businesses that are owned by military veterans and are benefitting military veterans qualify for facilitation of business opportunities.
Facilitation of business opportunities entails programmes from the Department which may include:
training on business information and statistics in the various sectors;
training on planning, logistics and financial modelling;
DMV provided advice on business support and development to 598 military veterans.
Through the utilisation of preferential procurement mechanism with other social partners 12<br>
slide13. BENEFITS AT ACTIVATION STAGE 13<br>
slide14. Mandated to assist unemployed military veterans with facilitation of employment placement opportunities (jobs).
Department signed Memoranda of Understanding (MoU) with various institutions for the provision of employment opportunities.
Status of benefit and Challenges
The lack of capacity in this area is linked to the DMV’s misaligned structure which impacts human resources.
Compounding the challenge of employment for military veterans is also the dire unemployment situation in the country FACILITATION OF EMPLOYMENT PLACEMENT 14<br>
slide15. There has been a slow progress towards cooperative governance in the provision of this benefit.
The reason for the slow progress in the provision of the subsidised public transport is that there is no practical modalities for the provision of this benefit.
Status of benefit and Challenges
There is no budget provision and human resource consideration to support the implementation of this benefit.
The DMV will in the medium term intensify effort in this regard. SUBSIDISATION OR PROVISIONING OF PUBLIC TRANSPORT 15<br>
slide16. PENSION BENEFIT The DMV signed an SLA with GPAA for the administration and disbursement of the benefit.
Since the Pension Regulations were promulgated in October 2023, 1 557 military veterans have been paid.
The DMV and GPAA are doing the best to reach out to far outlying areas of the country to reach all potential beneficiaries.
Applications for pension commenced in April 2023 and by end of July 2024, 17 137 (excluding duplicates) have been received.
There are some currently getting other pensions from the State which is more than the proposed monthly benefit.
DMV in collaboration with GPAA are working hard to process all outstanding applications 16<br>
slide17. HEALTHCARE BENEFIT The DMV signed a Service Delivery Agreements (SDAs) with the Department of Defence (DoD) to partner with the South African Military Healthcare Services (SAMHS) in the delivery of healthcare to Military Veterans.
This benefit started in 2011, with 2 000 Military Veterans who were 60 years above and those with chronic conditions.
Currently 17 638 Military Veterans are approved to access healthcare.
The average spend per person on healthcare is R139 900 per annum.
The DMV is currently conducting a feasibility study to include dependents in this benefits.
DMV plans to look at other social determinants of health with the intentions of promoting healthy lifestyle and disease prevention. 17<br>
slide18. HOUSING BENEFIT AND SETTLEMENT OF BONDS The Department has signed MoU and SLAs with Department of Human Settlements and Provincial Human Settlements Departments.
The DMV is in partnership with the Department of Human Settlements (DHS) on the delivery of newly built houses and mortgage bond subsidy applications are handled internally in the DMV.
To date 2 140 houses have been built and allocated to beneficiaries
308 mortgage loans have been settled
Emerging challenge is that Military Veterans are selling their allocated houses and still come back to the department to re-apply for a house.
An intervention is also urgently required following the correct processes to cater for widows and orphans. 18<br>
slide19. BURIAL SUPPORT A Burial Support Policy commenced in November 2011.
During 2013/14 financial year the Department gazetted Regulations that saw an increase in the burial support from R10 000 to R25 000.
There is an urgent need to consult the Minister of Finance on the impact of the increase on the DMV budget, gazette the Regulations and approve the draft Burial Support Policy. 19<br>
slide20. MILITARY VETERANS DATABASE Database comprises of 86 321 Military Veterans (Excl. dependents). 67 029 are alive and 19 292 are deceased
There are on-going plans to verify unregistered Military Veterans. This process is led by the Database Verification, Cleansing and Enhancement (DVCE) committee.
The development of an Integrated Database Management System (IDMS) is underway that will make the database processes more efficient through automation. 20<br>
slide21. FINANCIAL POSITION ON KEY BENEFITS DMV KEY BENEFITS 2021/22 TO 2027/28 21<br>
slide22. STATUS OF THE DMV DATABASE Verification
The verification process was completed in three Provinces (Gauteng, Eastern Cape and Limpopo). The Department of Military Veterans (DMV) has developed a plan to complete the verification process in the remaining six Provinces and the process will resume once the administration processes are finalised.
Military Veterans’ database
The DMV database has a total population of 86 321 comprising of 67 029 alive military veterans and 19 292 deceased military veterans excluding dependants. There is a process underway to develop an Integrated Database Management System (IDMS) that will make the database processes more efficient through automation. The IDMS will also enhance security features within the database while improving other system capabilities. 22<br>
slide23. STATUS OF THE DMV DATABASE …(2) Who is responsible for the task?
The verification process is conducted by members of a committee known as Database Verification, Cleansing and Enhancement (DVCE). This committee is constituted by members appointed from the various military veterans’ associations and it is led by the Retired Major General Mashoala who was appointed by Presidential Task Team (PTT).
Progress made by Database Verification, Cleansing and Enhancement (DVCE) Team
The DVCE work stream of the Presidential Task Team is still to complete its work in 6 Provinces (Mpumalanga, Northwest, Northern Cape, KwaZulu Natal, Free State and Western Cape) that were not covered during the first phase.
DMV Responsibilities
The DMV is responsible for daily management of the database related matters including registrations, updates, queries and reports. 23<br>
slide24. CHALLENGES AND MITIGATION 24<br>
slide25. Service Delivery Model
Services are not adequately decentralized (to Provincial Offices).
Information System and Infrastructure
Inability of SITA to assist the department fully must be addressed.
Inability by DPWI on the slow acquisition of office accommodation must be addressed.
Organizational Structure
Misalignment in the organizational structure and the disbursing of MV benefits - Less Human Capital in Service Delivery branches
Prolonged leadership instability – Lack of permanent Accounting Officer and personnel in critical areas such as Deputy Director-General: Corporate Services, Deputy Director-General: Socio Economic Support Services, Director: Legal Services and Director: Human Resource Management
Organizational Culture
The department has a very toxic culture
Numerous unresolved employee – employer grievances
Poor understanding of Batho Pele principles INSTITUTIONAL CHALLENGES 25<br>
slide26. ENABLERS FOR THE BENEFIT PROVISIONING OF BENEFITS Section 6 provides for the following enablers:-
The Department-
must provide the required administrative services and infrastructure to the Advisory Council and the Appeal Board and may provide such services and infrastructure to the association;
must collect and keep data and information regarding state-controlled and privately administered schemes or programmes dealing with any aspect of the affairs of Military Veterans;
must collect data and information regarding all existing benefits of Military Veterans and their dependants, and establish a data base on Military Veterans and Military Veterans' affairs, which must be updated regularly;
must include, in the database contemplated, information collected and compiled and data regarding persons qualifying as Military Veterans or dependants 26<br>
slide27. ENABLERS FOR THE BENEFIT PROVISIONING OF THE BENEFITS…(2) must submit programmes which seek to promote the affairs of Military Veterans to the Minister:-
(i) for submission to Cabinet Committees for their approval; or
(ii) for his or her approval,
and must publish all approved programmes in the Gazette for public notification, whereupon such programmes become binding on all persons and bodies to which they refer and must be implemented according to their terms;
may negotiate with departments of state, provincial executive authorities and non-governmental organisations to act as agents for the Department to carry out duties regarding Military Veterans;
may, through the Director-General, enter into a memorandum of understanding or conclude a service level agreement with any organ of state which is concerned with military veterans' affairs, or which administers any law relating to benefits of a Military Veteran in order to achieve therein order to achieve the objects of this;
may exercise any power and perform any duty that may be prescribed. 27<br>
slide28. CONCLUSION It is of paramount importance for the Honourable members to take cognisance of the following critical success factors:
Level of engagement with the stakeholders to effectively dispense the benefits to the military veterans
Key institutional challenges encountered that hinder the delivery of services to military veterans.
Continuous support and critical oversight for the Department to perform to its maximum level. 28<br>
slide29. THANK YOU 29<br>
slide2. PRESENTATION OUTLINE Purpose
Legislative Mandate
Governance Structure
Benefit Implementation Summary Overview
Financial Position of Key Benefits
Challenges and Mitigation Strategies
Institutional Challenges
Enablers for Benefit Provisioning
Conclusion 2<br>
slide3. PURPOSE To provide an account on the work of the Department of Military Veterans to PCDMV on the Overall and Status of Benefits Management. (Military Veterans and their dependents). 3<br>
slide4. MANDATE OF THE DEPARTMENT Legislative mandate of the DMV is derived from the Military Veterans Act 18 of 2011
Key provisions of the Act includes:
the Principles recognized by the state as governing the affairs of Military Veterans and for policy objectives in this regard;
the President is to be Patron-in-Chief of all Military Veterans; benefits relating to Military Veterans;
the establishment of the Advisory Council on Military Veterans and the Military Veterans Appeal Board;
certain functions of the Departments of Military Veterans and to provide for matters incidental thereto. 4 Government Gazette
REPUBLIC OF SOUTH AFRICA
Vol. 558 Cape Town 5 December 2011 No. 34819
THE PRESIDENCY
No. 1015 5 December 2011
It is hereby notified that the President has assented to the following Act, which is hereby published for general information:
Act No. 18 of 2011: Military Veterans Act, 2011.<br>
slide5. GOVERNANCE STRUCTURE 5<br>
slide6. BENEFITS IN SECTION 5(1) OF MILITARY VETERANS ACT 18 OF 2011 5. (1) The benefits relating to a military veteran are the following:
(a) Compensation to military veterans who sustained disabling injuries or severe psychological and neuro-psychiatric trauma or who suffer from a terminal disease resulting from their participation in military activities;
(b) dedicated counselling and treatment to military veterans who suffer from serious mental illness, post-traumatic stress disorder or related conditions;
(c) honouring and memorialising fallen military veterans;
(d) education, training and skills development;
(e) facilitation of employment placement;
(f) facilitation of or advice on business opportunities;
(g) subsidisation or provisioning of public transport;
(h) pension;
(i) access to health care;
(j) housing; and
(k) burial support.
(2) Subsection (J)(b), (d) and (h) also applies to a dependant of a military veteran. 6<br>
slide7. COMPENSATION BENEFITS The DMV commenced with the implementation of this benefit in 2014,
To date 877 military veterans have received compensation benefit
More than 4 000 applications were received for this benefit; however, most applicants did not meet the qualifying criteria.
The medical assessment for this benefit is done by the SAMHS medical panel.
There was a period of about 3 years (Covid-19 period) where the benefit could not be provided due to the unavailability of the medical panel.
The medical panel has since been resuscitated and the backlog has been addressed 7<br>
slide8. DEDICATED COUNSELLING BENEFITS 8 8<br>
slide9. HONOURING AND MEMORIALISING FALLEN MILITARY VETERANS The period under review saw a stakeholder engagement having engagement with Heritage stakeholders (National Heritage Council (NHC), Freedom Park etc.) collaboration on military veteran’s projects that seek to honour and memorialise the role of military veterans in the attainment of freedom.
Department in partnership with various organisations facilitated the exhumation and reburial of military veterans who had fallen outside the borders of South Africa
The department will work with its partners and families in the medium term to ensure that the identified fallen heroes are exhumed and repatriated back to South Africa 9<br>
slide10. EDUCATION SUPPORT The DMV supports both military veterans and their dependents (spouse and children) from grade R–12 and beyond matric.
This support is opened to institutions that are within the borders of South Africa. The threshold at Basic Education is R20 000 and at Tertiary Education is R88 600.
600 beneficiaries have graduated at Tertiary Education in areas such as Medicine, Civil Engineering, Art and Teaching, Commercial Law, Financial Accounting, etc
Preparations including financial considerations and engagements with National Treasury for more resources are underway for 2025 academic year applications 10<br>
slide11. SKILLS DEVELOPMENT A skills training programme is a short programme that has a training duration of up to 12 months.
The skills training programmes for military veterans and their dependents (spouse and children) commenced in 2014/15.
Type of skills being supported include engineering-related skills (e.g. plumbing, electrical, civil and building), security, technology, etc
59% of beneficiaries are Military Veterans, while 41% are dependents. 11<br>
slide12. FACILITATION OF BUSINESS OPPORTUNITIES All businesses that are owned by military veterans and are benefitting military veterans qualify for facilitation of business opportunities.
Facilitation of business opportunities entails programmes from the Department which may include:
training on business information and statistics in the various sectors;
training on planning, logistics and financial modelling;
DMV provided advice on business support and development to 598 military veterans.
Through the utilisation of preferential procurement mechanism with other social partners 12<br>
slide13. BENEFITS AT ACTIVATION STAGE 13<br>
slide14. Mandated to assist unemployed military veterans with facilitation of employment placement opportunities (jobs).
Department signed Memoranda of Understanding (MoU) with various institutions for the provision of employment opportunities.
Status of benefit and Challenges
The lack of capacity in this area is linked to the DMV’s misaligned structure which impacts human resources.
Compounding the challenge of employment for military veterans is also the dire unemployment situation in the country FACILITATION OF EMPLOYMENT PLACEMENT 14<br>
slide15. There has been a slow progress towards cooperative governance in the provision of this benefit.
The reason for the slow progress in the provision of the subsidised public transport is that there is no practical modalities for the provision of this benefit.
Status of benefit and Challenges
There is no budget provision and human resource consideration to support the implementation of this benefit.
The DMV will in the medium term intensify effort in this regard. SUBSIDISATION OR PROVISIONING OF PUBLIC TRANSPORT 15<br>
slide16. PENSION BENEFIT The DMV signed an SLA with GPAA for the administration and disbursement of the benefit.
Since the Pension Regulations were promulgated in October 2023, 1 557 military veterans have been paid.
The DMV and GPAA are doing the best to reach out to far outlying areas of the country to reach all potential beneficiaries.
Applications for pension commenced in April 2023 and by end of July 2024, 17 137 (excluding duplicates) have been received.
There are some currently getting other pensions from the State which is more than the proposed monthly benefit.
DMV in collaboration with GPAA are working hard to process all outstanding applications 16<br>
slide17. HEALTHCARE BENEFIT The DMV signed a Service Delivery Agreements (SDAs) with the Department of Defence (DoD) to partner with the South African Military Healthcare Services (SAMHS) in the delivery of healthcare to Military Veterans.
This benefit started in 2011, with 2 000 Military Veterans who were 60 years above and those with chronic conditions.
Currently 17 638 Military Veterans are approved to access healthcare.
The average spend per person on healthcare is R139 900 per annum.
The DMV is currently conducting a feasibility study to include dependents in this benefits.
DMV plans to look at other social determinants of health with the intentions of promoting healthy lifestyle and disease prevention. 17<br>
slide18. HOUSING BENEFIT AND SETTLEMENT OF BONDS The Department has signed MoU and SLAs with Department of Human Settlements and Provincial Human Settlements Departments.
The DMV is in partnership with the Department of Human Settlements (DHS) on the delivery of newly built houses and mortgage bond subsidy applications are handled internally in the DMV.
To date 2 140 houses have been built and allocated to beneficiaries
308 mortgage loans have been settled
Emerging challenge is that Military Veterans are selling their allocated houses and still come back to the department to re-apply for a house.
An intervention is also urgently required following the correct processes to cater for widows and orphans. 18<br>
slide19. BURIAL SUPPORT A Burial Support Policy commenced in November 2011.
During 2013/14 financial year the Department gazetted Regulations that saw an increase in the burial support from R10 000 to R25 000.
There is an urgent need to consult the Minister of Finance on the impact of the increase on the DMV budget, gazette the Regulations and approve the draft Burial Support Policy. 19<br>
slide20. MILITARY VETERANS DATABASE Database comprises of 86 321 Military Veterans (Excl. dependents). 67 029 are alive and 19 292 are deceased
There are on-going plans to verify unregistered Military Veterans. This process is led by the Database Verification, Cleansing and Enhancement (DVCE) committee.
The development of an Integrated Database Management System (IDMS) is underway that will make the database processes more efficient through automation. 20<br>
slide21. FINANCIAL POSITION ON KEY BENEFITS DMV KEY BENEFITS 2021/22 TO 2027/28 21<br>
slide22. STATUS OF THE DMV DATABASE Verification
The verification process was completed in three Provinces (Gauteng, Eastern Cape and Limpopo). The Department of Military Veterans (DMV) has developed a plan to complete the verification process in the remaining six Provinces and the process will resume once the administration processes are finalised.
Military Veterans’ database
The DMV database has a total population of 86 321 comprising of 67 029 alive military veterans and 19 292 deceased military veterans excluding dependants. There is a process underway to develop an Integrated Database Management System (IDMS) that will make the database processes more efficient through automation. The IDMS will also enhance security features within the database while improving other system capabilities. 22<br>
slide23. STATUS OF THE DMV DATABASE …(2) Who is responsible for the task?
The verification process is conducted by members of a committee known as Database Verification, Cleansing and Enhancement (DVCE). This committee is constituted by members appointed from the various military veterans’ associations and it is led by the Retired Major General Mashoala who was appointed by Presidential Task Team (PTT).
Progress made by Database Verification, Cleansing and Enhancement (DVCE) Team
The DVCE work stream of the Presidential Task Team is still to complete its work in 6 Provinces (Mpumalanga, Northwest, Northern Cape, KwaZulu Natal, Free State and Western Cape) that were not covered during the first phase.
DMV Responsibilities
The DMV is responsible for daily management of the database related matters including registrations, updates, queries and reports. 23<br>
slide24. CHALLENGES AND MITIGATION 24<br>
slide25. Service Delivery Model
Services are not adequately decentralized (to Provincial Offices).
Information System and Infrastructure
Inability of SITA to assist the department fully must be addressed.
Inability by DPWI on the slow acquisition of office accommodation must be addressed.
Organizational Structure
Misalignment in the organizational structure and the disbursing of MV benefits - Less Human Capital in Service Delivery branches
Prolonged leadership instability – Lack of permanent Accounting Officer and personnel in critical areas such as Deputy Director-General: Corporate Services, Deputy Director-General: Socio Economic Support Services, Director: Legal Services and Director: Human Resource Management
Organizational Culture
The department has a very toxic culture
Numerous unresolved employee – employer grievances
Poor understanding of Batho Pele principles INSTITUTIONAL CHALLENGES 25<br>
slide26. ENABLERS FOR THE BENEFIT PROVISIONING OF BENEFITS Section 6 provides for the following enablers:-
The Department-
must provide the required administrative services and infrastructure to the Advisory Council and the Appeal Board and may provide such services and infrastructure to the association;
must collect and keep data and information regarding state-controlled and privately administered schemes or programmes dealing with any aspect of the affairs of Military Veterans;
must collect data and information regarding all existing benefits of Military Veterans and their dependants, and establish a data base on Military Veterans and Military Veterans' affairs, which must be updated regularly;
must include, in the database contemplated, information collected and compiled and data regarding persons qualifying as Military Veterans or dependants 26<br>
slide27. ENABLERS FOR THE BENEFIT PROVISIONING OF THE BENEFITS…(2) must submit programmes which seek to promote the affairs of Military Veterans to the Minister:-
(i) for submission to Cabinet Committees for their approval; or
(ii) for his or her approval,
and must publish all approved programmes in the Gazette for public notification, whereupon such programmes become binding on all persons and bodies to which they refer and must be implemented according to their terms;
may negotiate with departments of state, provincial executive authorities and non-governmental organisations to act as agents for the Department to carry out duties regarding Military Veterans;
may, through the Director-General, enter into a memorandum of understanding or conclude a service level agreement with any organ of state which is concerned with military veterans' affairs, or which administers any law relating to benefits of a Military Veteran in order to achieve therein order to achieve the objects of this;
may exercise any power and perform any duty that may be prescribed. 27<br>
slide28. CONCLUSION It is of paramount importance for the Honourable members to take cognisance of the following critical success factors:
Level of engagement with the stakeholders to effectively dispense the benefits to the military veterans
Key institutional challenges encountered that hinder the delivery of services to military veterans.
Continuous support and critical oversight for the Department to perform to its maximum level. 28<br>
slide29. THANK YOU 29<br>