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I think you should ask First Rand for answers.
What is your definition of bad debt? Some of you school drop outs are the loudest in the forum. What has this issue got to do with bad debt? You don't have to comment if you don't understand the topic.
KOLA,LONDON MAIN PROPER, shut you bloody stupid Ewe beak, if you can't understand. "Kwasea"
The money has been invested in some govt officials pockets.