1. Ardington , C. Lam , D. Leibbrandt , M. and Levinsohn , J. 2003 “Savings, Insurance and Debt over the Post-Apartheid Period”. Report for the Office of the Presidency
2. B anking C ouncil of S outh A frica 2003 Financial Sector Charter http://www.banking.org.za/Downloads/Charter_Final.pdf