to Shaik. They would speak on the phone and he would come to visit." She also testified that Shaik arranged financial affairs for Zuma, managed his bank accounts on the computer, and discussed his financial situation with him. She concluded by saying that she knew that Shaik said the word Zuma often because she often overheard him while he was on the phone. The State's next witness was KPMG forensic auditor Johan van der Walt, who testified for several hours that the payments made by Shaik to Zuma "sometimes threatened the financial existence of the whole group." He continued that the payments were not sensible for any other purpose than to buy influence with Zuma. Shaik's lawyers argued in cross-examination that their own forensic auditor showed that payments to Zuma were only a small percentage of the group's turnover. Van der Walt replied that "one can have a billion rand turnover and still have an overdraft. If you don't have the money, you can't operate." Van der Walt also stated that Zuma lived well beyond his means, but seemed to accept that other people would pay his debts. Shaik's counsel, François van Zyl, said Shaik would testify that as far as he knew, Zuma had by now paid all his creditors and should have no problem paying him back. Van der Walt replied that whether the money paid to Zuma was a loan or a donation, he reaped the benefits: "My review indicated that Zuma had no access to major funds to repay his debts. The repayments must have taken place outside the period of review." Van Zyl produced a written revolving credit agreement between Shaik and Zuma of which, he said, Parliament was informed. The State said it would dispute its authenticity. Van Zyl also accused Van der Walt of not taking into account that Zuma had repaid some money to Shaik. Ian McLeod, credit manager at Absa Group Limited, one of South Africa's largest banks, said that neither Shaik nor Zuma mentioned the agreement when they were asked to make a list of their assets and liabilities. From what he saw, he said that he "doubted very much if Zuma could repay Shaik." Tracy O'Brian told the court that she sublet a flat to Shaik. Shaik told her that it was for his financial director. She later discovered, however, that when there were complaints about bodyguards with guns,