how to professionally say Mainly due to higher cost of handset and equipment of R360m due to increased hardware, software costs and licenses sales (sales mix impact - product vs services). Offset by Opex savings (R67m) as a result of lower employee cost savings due to S189, decline in leave pay and SBP, lower OSS/BSS cost due to reallocations, reversal of SAPO abortive costs, decline in third party cost services in line with the decline in service revenue, lower utility cost. The lower Opex reduced by, higher maintenance cost linked to customer usage, annual increases due to contract renegotiations, adverse impact of the USD/ZAR exchange rate, and Helix cost catch-up. Higher IFRS ECL mainly due to Postbank as well as higher marketing cost due to sponsorships for Supersport and Netcare