Adam Lowe, member at Actuarial Society of South Africa (ASSA) explains three scenarios where South Africa could enter the third wave. Nazmeera Moola, head of SA investment at Ninety-One discusses rating agency's warning that SA's public sector wage freeze is unlikely. And in our investment School, Piet Viljoen, portfolio manager at Counterpoint Value Fund is our headmaster for this week. He joined us to speak about growth vs value and the investment implications of a possible regime change.