Gail Kelly

I grew up in a very strong, nuclear family. My father was a sportsman. He represented South Africa in a couple of sports, so he was a very positive person and someone who encouraged you to be your best and give your best with everything that you do.

Well, there's no question that the law passed in 1996 was flawed. It deregulated the wholesale market, meaning the price that the utilities had to pay energy companies for power, but not the retail market.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.