| Welcome: Rofhiwa Madzena Market Watcher: Makwe Masilela – CIO, Makwe Funds Managers Business confidence down, but still higher than before Covid: Richard Downing – Senior economist, Sacci Vodacom’s VodaPay ‘super app’ launched: Mariam Cassim – Chief Executive Officer: Financial and Digital Services, Vodacom House price growth slowed in September – FNB index: Siphamandla Mkhwanazi – Senior Economist, FNB SA’s first validated online depression screening tool in development: Tasneem Hassem – Psychology researcher, Wits University Settling debt versus investing: What are your options? Stephen Katzenellenbogen – Senior Executive, NFB Private Wealth Management | 