"isixhosa saqalwa ukubhalwa ngonyaka ka--1823 ngumnu john bennie ingcaphephe yezolwimi. ukususela ngoko olu lwimi khange lubheke mva. isixhosa sinazo izinto eziliqela elizibhaliliyo, oomqhayi, jolobe, mona, tamsanqa, mcimeli nabanye basiwonge ngomthabalala wezinto ezibhalwe ngesixhosa ze bongeza nababhali abatsha esingaquka kubo oosiphatheleni kula nabanye. ababhali abatsha mva nje sebebhala nezincokwana, abanye babhala ngentlalo yakwaxhosa. inani lamaphephandaba abhalwe ngesixhosa liya lisonyuka mihla le. most of our products rely on distributors, and we intend to continue to market and distribute our products through existing and future distributor relationships. our scores segment relies on, among others, experian, transunion and equifax. failure of our existing and future distributors to generate significant revenues or otherwise perform their expected services or functions, demands by such distributors to change the terms on which they offer our products, or our failure to establish additional distribution or sales and marketing alliances, could have a material adverse effect on our business, operating results and financial condition. in addition, certain of our distributors presently compete with us and may compete with us in the future, either by developing competitive products themselves or by distributing competitive offerings. for example, experian, transunion and equifax have developed a credit scoring product to compete directly with our products and are collectively attempting to sell the product. competition from distributors or other sales and marketing partners could significantly harm sales of our products and services.