| Welcome: Nompu Siziba – Moneyweb Market Watcher: David Shapiro – Deputy chairman, Sasfin Securities Covid shock dampens ratings for Ekurhuleni, Tshwane and ERWAT – Moodys: Mike Schüssler – economist, Economists.co.za The death of the cheque: Jan Meintjes – portfolio manager, Denker Capital Local SMEs hold the keys to unlocking South Africa’s prosperity: Karl Westvig – CEO, Retail Capital SA Executive lounge: Tashmia Ismail-Saville – CEO, Youth Employment Service | 