On which basis was consensus, if any, reached in the instances below? // Op welke grondslag is wilsooreenstemming, indien enige, in die volgende gevalle bereik? 3.1 Susan borrowed R200 000 from Z Bank. The loan agreement between Susan and Z Bank does not provide for interest on the amount of the loan. However, Z Bank recovers interest from Susan at a rate of 20% per annum. // Susan het R200 000 by Z Bank geleen. Die leningsooreenkoms tussen Susan en Z Bank maak nie voorsiening vir rente op die leningsbedrag nie. Z Bank verhaal egter rente van Susan teen 'n koers van 20% per jaar. (2) 3.2 John buys Coke by placing a coin in a vending machine. // John koop Coke deur 'n muntstuk in 'n muntoutomaat te plaas. (2)