| Welcome: Nompu Siziba – Moneyweb Market Watcher: Preston Narainsamy – Portfolio manager, Nedbank Private Wealth Unions to fight public wage bill increase court dismissal: Claude Naicker – National manager: members affairs, Public Servants Association Altron demerger and separate listing of Bytes completed: Mteto Nyati – CEO, Altron What opening up 3rd party access to Transnet’s rail network means for the economy: Mesela Nhlapo – CEO, RailRoad Association Retail 2020: How Covid-19 reshaped the industry: Chris Gilmour – Independent analyst Tech start-up revolutionising traditional lay-by system: Andrew Katzwinkel – CEO, LayUp | 