| Welcome: Nompu Siziba – Moneyweb Market Watcher: Chantal Marx – Head: research, FNB Wealth and Investment Medical aids have been racially profiling black doctors – industry report: Thando Maeko – Moneyweb Journalist New Covid measures introduced for ATMS: Bongiwe Kunene – Managing Director, Basa Consol warns of adverse losses should the ban continue: Mike Arnold – CEO, Consol Boards remain unreflective of SA’s racial demographics – report: Leila Ebrahimi – P&O Reward Co-lead, PwC What can we expect from the property market in 2021: Paul Stevens – CEO, Just Property | 