How to professionally say 4. BCX (R85m lower): Lower Revenue (R51m) primarily in ITSS revenue (R131m) due to projects postponement to March (offset by higher international product revenue sales of R51m and IFRS 15 adjustment of R79m). Higher Opex (R32m) mainly due to Postbank bad debt recovery not materialising and eThekwini impairment, higher maintenance due to Microsoft cost and higher third party cost, offset by lower employee cost due to unfilled vacancies and reversal of leave provisions