| Welcome: Nompu Siziba – Moneyweb Market Watcher: David Shapiro – Deputy Manager, Sasfin Securities Eskom ups loadshedding to stage 3: Antoinette Slabbert – Journalist, Rapport Transactions rebound in December only to decline the next month – index: Shergeran Naidoo – Head of Stakeholder Engagements, BankservAfrica Business confidence sees slow but steady incline: Richard Downing – Economist, Sacci Are you making the most of your tax-free investment account?Tamryn Lamb – Portfolio manager, Allan Gray Executive lounge: Sibusiso Sitole – Co-founder and creative chief executive, The Odd Number | 