Our political system, accommodative or hostile?

9 candidates will stand for the Indonesian Presidential election. We can't find even one willing to stand unless the ruling party nominates him. And the restrictive rule that one must be an elite before one can even qualify further removes a large number of good candidates. The Indonesian do have their rules governing eligibility, like being a member of a political party and with a 15% representation in Parliament. Another built in barrier favouring the ruling party. What is important is that there is no dearth of qualified and respectable candidates offering themselves to the people. In our case, even without the elitist ruling, not many will want to stand. Some misfits may stand up. But we cannot simply dismiss the intelligence of the people to vote for a freak. Let's have more trust in a people that is well educated, well informed and good enough to be comparable to a first world country. And Chok Tong was talking about tweaking the system to make it more relevant. The question is that why is the current system unable to throw up more good people in politics and the presidency? Is the system accommodative or seen as hostile to political participation? Obviously the latter, given the lack of participation and only participates when invited. If the system is allowed to continue without any serious changes, what will happen is that no good people will want to come out voluntarily. And those who come out will join the opposition and probability have a kind of attitude that the ruling party fears most. A recklessness or do or die attitude, bring down the system before the system brings them down. The divide will grow and becomes irreconcilable. And things will naturally gets more vicious and unrestrained, for the good of neither side. We are seeing this happening. Why would good and decent people want to get involve in politics when their little indiscretion could suddenly be a national issue? Things like putting a ball point pen from the office in his bag and use to sign his personal cheques as well. Or his little relaxation in a spa in Bintan suddenly floated in the rumour mill. Or worst things could even happen. Chok Tong talked about a system that would throw up good leaders in both the ruling party and the opposition. Is our system doing that? Looking at the opposition camp, we know that it is definitely not. Looking at the ruling party, it is apparent that they are scrapping at the bottom of the barrel. Other than the key appointment holders, let's face it, ...I shall save my comments as they are not very flattering. We need a system that promotes healthy participation from good people in politics. We need to accept and listen to alternative views and grow with them. There seems to be some changes in this line of thought in the ruling party, with more conciliatory messages for a better opposition. Would it turn into a reality or just a red herring? Under the present system and political climate, it is near impossible to have good people forming their own political parties to provide a decent alternative to the ruling party. They won't. The rules of the game is stacked against one side and the price for participation can be untold misery, when the opposition becomes a real potential to win an election. No one knows what will come out when the gloves are off. Can we really move forward and evolve into something healthier?

Instant baby solution

Why is the govt struggling with the baby problem? Our baby growth rate may be lower, but why is there a need for more babies? We are not producing enough babies to keep the pyramid game going? Or is it that we are still chasing the 6.5 mil target? More incentives and more money will be considered to make parents start to reproduce again. The question is, reproduce for what? To keep the economy going, to keep the social and family structure viable? To keep the main core of the population local Singaporeans? Having more babies should not be just a simple case of economic consideration. It used to be a natural thing, get married and keep mating and producing babies. Today, having babies bring along a life long series of problems of maintenance and making sure that the babies are going to get a reasonable life when they grow up. The rich have accumulated wealth, bought houses in advance, to make sure that their progeny will have a comfortable life. What about the poor who are struggling to even feed themselves? Is it responsible to ask them to go ahead and produce recklessly without much thought of their children's well being? Many from the lower income homes will grow up handicap, unable to compete with the more materially well endowed children. Many will start life with a ball chained to their legs. Is this a good thing, producing cannon fodders? What about a promising future, a brighter future of hope and happiness? Many at the lower rungs of society will only continue to perpetuate their pathetic life of deprivation by bringing more children into this competitive and highly stressed country. It is very difficult for them to break free from the poverty trap they are in. If they so choose to have a couple of children, that is a choice that they have made for themselves in their given circumstances. But to push that choice into a non thinking quest just to produce more cogs for the economy, that may be quite tragic. We have done it for many years. Instant trees, instant population, and why not instant babies? Are we having second thoughts on the consequences of having instant babies that may lead to more instant problems when they grow up? Would such questions be unnecessary as we claimed that we are all migrants and having more migrants is only a natural thing, a good thing? We can have a more migrant and vibrant people in the future. And they shall be the new Singaporeans and they shall decide what kind of Singapore they want. No need to sweat the small stuff and coming out with more and more costly options. We have created a system that technically is fair to all but in reality put those in the lower income group in a very disadvantageous position. Why are we making things so hard, so expensive to raise a family by pushing up cost of living without a second thought of how it will impact the people and change their lives and expectations? Did someone say we create our own problems only to find superficial solutions for them?

Singaporeans are doing well

Despite the high inflation rate and prices of everything going up, Singaporeans are coping excellently without govt assistance. All they did was to tighten their belts a little, apply food substitution theory for cheaper products and kpkb to let go some steam. Then life goes on as normal. Actually Singaporeans were hit more with the introduction of more ERPs and higher tolls to pay. They took it in their strides. No problem at all. This is the strength and depth of Singaporean wealth and healthy income. And the workers would not be expecting much of a wage increase to compensate for the rising prices. Singaporeans should be proud of themselves to be living in the 5th most expensive city in Asia and 13th in the world, and doing fine.

More than US$10 billion in losses

"Temasek Selling Merrill Lynch Half or total of 87m shares have been sold off at a loss, according to US recorded filings. By Seah Chiang Nee Jul 24, 2008 Temasek Holdings has sold off half its ill-timed investment in Merrill Lynch - or about 87m shares, according to a mutual funds report on institutional trades on US stocks. The online report, MFFAIRS (Mutual Fund Facts About Individual Stocks), reported it sold off 86,949,594 shares (50%), leaving a current holdings of 86,949,594 shares (50%), according to the filings made public.... At that price Temasek would have suffered a loss of $17 a share - or a total loss of about US$1.48b for the 87mil shares.... Huge paper losses The disposal leaves Temasek Holdings and the Government Investment Corporation (GIC) still holding substantial parts of big troubled Western banks. Its remaining investments in UBS (Switzerland), Citigroup, Barclays and Merrill Lynch - at an original cost of US$21.88b - have declined on by some 47 percent in value. That is a paper loss of US$10.28b. However, Minister Mentor Lee Kuan Yew had said these investments were made as a long-term strategy of 30 years...." The above was extracted from www.littlespeck.com Murphy's Law working? Things that can go wrong will go wrong? When I first posted on the acquisition of these top international banks, I was a little optimistic that this was a god sent golden opportunity to be a big player in the internation financial market. I was also expecting that enough groundworks were put into it and the risk factor of this turning bad has been factored in. And should the investment becomes a bad deal, the losses are limited and we are protected from digging a big hole for our reserves. I am feeling very depressed now. It was a huge investment, an opportunistic one as someone has called it, but betting with such a big sum of money cannot be taken lightly. Didn't the financial experts cover their arses just in case it goes like what we are seeing? In stocks we always talk of trading in short term but often we are caught and short term trading turns out to be a bad long term investment that could eventually melt away. This is going to be a really long term investment now.

TOM is flawless

News reporting by the TOM is as flawless as you can get. They have been impeccable in their reports on govt policies, what political leaders said, or on national issues. It is tough to find them being critical or taking a dissecting knife to cut them to pieces to show just a little flaw. Generally, everything is flawless. I am not sure about reporting on other issues or on alternative parties and their members. But glancing through some of the criticisms in cyberspace recently, I think TOM must be good at critical analyses that naturally will incur the wrath of netizens. The drawback of a flawless TOM is that the flaws will be left to the netizens to expose and report on. And netizens are never kind in writing about things they are unhappy about. The division of roles will continue. The more flawless one side is being painted, the more flaws will be repainted in cyberspace.

Money babies

Money solves everything. Have babies, more babies. We will give you money. No one wants to know why must have more babies. No one wants to know what life will be like for the babies when they come. Having babies is no longer an emotional or sentimental thing. It is about got money or no money. It is not about loving the children and giving the children a life that is worth living. No need to think about such things. How much you need? Tell me how much you want for each baby you produce. Very clinical. Very economic. The state needs your babies. For what? Come to think of it, it is better to produce babies for money. At least there is a reason to do it. Many produce babies without knowing why? No reasons, just keep producing.

Myth 186 Foreign talent and cosmopolitan city

We need the vibrancy of a cosmopolitan city to prosper like New York or some big American cities. We also need the foreign talents, given the few and limited talents we have among ourselves. The American formula is the way to beat the world. But the American formula comes with other terms. A big country with abundance of resources and opportunities, a lawlessness culture with a can do attitude. Then the contradiction of a strong constitution and a legal system. The fourth estate and a people who are ready to challenge the highest office when the law is broken or undermined. There are many other conditions to add on, not just the influx of foreigners to make America a great country. And obviously an authoritarian culture with a submissive or dismissive population are not compatible to what makes America what it is today. Then there is that big American Dream to look forward to. Actually America is an aberration. Not many countries can survive a mixed bag of communities and continue to be the number one super power, the number one economy. If foreign talents is the prerequisite to making a nation great, there would not be any German Empire, Dutch or Spaniard Empires, the British Empire or the Japanese Empire. All these empires rose to prominence because of a strong sense of nationalism and homogeinity. If the American formula is right, we can forget about the reemergence of India and China, both relying heavily on indigenious talents and resources. On the other hand, the former empires like the Brits are falling apart and fading into oblivion with a huge influx of foreigners into the countries. But the homogenous countries like Germany and Japan are doing exceptionally well. Is the American Dream sustainable? Or is the American formula the way to go? Before we get near to our Singapore Dream, there may not be a Singapore to talk about in the future if we no longer become a people built on some shared values and history. The broth is too small and too little and will not be able to retain its originality when too much new ingredients are added into the cooking pot.

A little window dressing may do the trick

As the opposition corner quiets down in their protest against organ trading, there are still some whimpers of unhappiness. Words like organ trading, selling or buying organs seems to be getting on the nerves of the protesters. To overcome such great misgivings, I would suggest that we shall henceforth desist from mentioning the words organ trading or buying/selling organs. In its place we shall creat a Organ Donation Charity Fund. The organ donors can donate their organs to this Fund and be allowed to have a lucky dip. Depending on where he/she is from, the price will be the equivalent of a sum of money decided by the Fund either in S$, US$, rupiah, pesos or whatever. On the other hand, kidney patients can donate a sum of money as decided by the Fund and be entitled to another draw which will be his date for a transplant operation. By doing these, both will be donors to a charity fund, no buying or selling. And the public can help by donating as well to boost up the Fund. And celebrities can also do their parts to participate in a Organ Donation Charity Show. The telco will be happy as well. Actually all will be happy. Nothing changes. And some eminent people can lend his or her name to the Fund or charity show. Back to square one. To cater to those who have strong objections on moral, ethical or religious grounds, HOTA scheme should remain. The poor or those who do not want to donate to the Fund can continue to remain in this scheme. And people who do not want to donate their organs to the Fund can have their organs harvested by HOTA and distributed free to those in the waiting list. Nothing changes. Nothing to cry about. And we shall not deprive those who have the money and willing to pay for it from external sources on their own effort. They should be allowed to do as they please as long as they don't cut the HOTA queue or the queue in the Organ Donation Charity Fund. With these well thought out plans, am I brilliant, I think no one shall have any more objections or unhappiness, except me. I will be giving this plan away free, not collecting the consultancy fee, the survey fee and the research fee. My estimate is that I will lose about half a million by sharing my plan openly. What the heck, it is for a good cause, though a bit silly not getting paid for it. Hope people would not think it is not a good plan because it is free.

Signs of decline or complacency?

In one of my earlier posts I did mentioned about the unusually high standards set by the first generation leaders and their intolerance for mistakes. Basically the message coming down from them was that 'Don't fool around and no slipshod work.' No mistake was tolerable. Zero defects was the standard. What we are hearing from Parliament yesterday would make our first generation leaders cringe or turn in their graves. We are not perfect. So mistakes must happened. Fatigue, too much work, different facts, different circumstances, so mistakes happened. We are only humans! Yes we are only humans. We all made mistakes every now and then. But to use such arguments as justifications is simply bad. A mistake is a mistake, is a mistake. Period. Deal with it. No amount of excuses is good enough and the more one tries to explain them away, the more ludicrous it will sound. Just simply said, yes, it is a mistake and unacceptable and inexcusable. How to react to all the finger pointings? Just listen quietly and show some shame and remorse. Nod the head in acknowledgement that the criticisms and unhappiness are justified and deserving. Eat the humble pie.

No gems in Parliament

The brevity in the reports on TV last night did not disclosed any gems worthy of posting here. The closes that one can get is a gleam of a shiny and beautiful head of Siew Kum Hong. I was so distracted by the glare that I totally missed out on what he was saying. I will now have to refresh myself from the factual reports in TOM.

Would Singaporeans be motivated by money?

In Parliament Kan Seng announced that a $1m bounty is waiting for anyone who squealed on Mas Selamat's whereabout and leading to his recapture. What he emphasised is that the money is from private individuals, not from the govt. Maybe the govt does not believe that people can be motivated to work for money. But apparently the two individuals thought so. And they would like to sacrifice half a million each to motivate the poor Singaporeans to look out for Mas Selamat. Will it work? Is money that important in the psyche of Singaporeans that they will not work harder to capture Mas Selamat? Why won't Singaporeans go out and hunt for him in the name of country and nation? What happen to the selfless Singaporeans that believe in some virtues like sacrificing for the nation, dying for the nation, instead of working just for money? The other point to note is that till now, 5 months after his 'escape', there is not a thread of news on his whereabout. There are two possibilities. He is long dead in the wilderness. That explains why no one knows where he is. The second explanation, more frightening, is that the people who helped him to escape and harbouring him, are damn professional, committed and will protect him at all cost. And these are people who are unlikely to be moneyminded. They are unlikely to sell him out for money. People who are motivated by a cause will die for the cause, like those suicide bombers. Money is not important to them. Money only motivates the superficials or those who need money. As a country, we need to motivate our people to work, sacrifice and die for the country on more noble causes or on some silly idealism. This kind of motivators will beat money anytime. Our NS men will die and fight for the country even if they are paid a pittance. Without such sense of duty and commitment to a nation, we are as good as a goner. The $1m will be a test to see if Mas Selamat's accomplices could be bribed by it. And if $1m is too little, maybe gradually increase the stake and see how much will they bite. Eventually the price should be high enough to move some of them, hopely.

Fear not retirement plan

Singaporeans got it made for life. They should not fear being unemployed and penniless. I am not referring to the CPF Life. That one is bull. The real stuff is to cash out when property prices are up. And it is up and up as it has been reported almost daily. Just pray that more foreigners keep coming onto our shores to support the property market. After selling their HDB flats, should be between $500k to $750k, park the money in fixed deposits and live frugally. That will be enough to last them for 30 or 40 years. Where to stay, squat in a temple if possible or with the children. If not, rent a room from the FTs who have bought over their flats. Two old folks, why do they need more than a room? They could not even have the energy to mop the flat. Renting a room will remove such a chore. Let the FTs look after and maintain the flats. Never mind if they become the new landlords. When you have more than half a million in the bank, nothing to worry about. Sell everything, don't own anything. Just convert to cash. This is the latest mantra now I think. And the beautiful surroundings and parks will be like the garden of Eden to be enjoyed in the twilight years.

Housing glut

HDB must have sold the 10,000 units of unwanted flats by now. Today, despite some trying to talk up the private housing market, the numbers are telling, that many are unsold and the stock is growing. The developers must have built and continue to build on the premise of a 6.5 mil population. With this as a guiding principle, building another 50,000 units would not be a problem. But should there be a change of the master plan, many of these private units will be left high and dry. Then again, knowing that we don't meddle with market mechanism, we can still open the immigration door a little wider and the new arrivals will quickly snap up the excess in supply. Private developers are in such a privilege position and in land scarce Singapore, investing in properties is a sure win formula. This may be the reason why the 6.5 mil population target is unshakable. Too many stakes involved.

More gems coming our way

Parliament sitting today and we can expect more gems to come out from it. And with topics like organ transplant and ERPs to wet the appetite, I think we can expect a glorious time. Let's wait and see if some will argue on high moral grounds and invite their gods or religions to sit on the high pedestals in Parliament. Would not that be a forceful way to get their points across? With such uppertance, sectoral views can easily be used to influence or be shafted into the throats of people who don't believe in the same virtues, gods, religions or cultural smugness. This is normal in a small society like ours when the gods are already in place and know that they can command order and respect. Relax and wait for the fun to start. I don't think we will be disappointed.

A little icing and confetti

Below is an extract of a ST report that ERPs are well received and motorists are happy with their brightly coloured designs. I think they could make motorists happier by giving them a cup of free ice cream or coffee every time they pass through gantry. That will be great service! And the motorists will all be talking about how good the ice cream or coffee was, and how thoughtful. "MOTORISTS are giving the thumbs up to ERP charges - at least the way the amount payable is displayed on gantries. Snazzy colourful icons of vehicles and the amount motorists have to pay at various times are now revealed brightly in a panel at the top of the gantry. First unveiled on July 7 when five gantries downtown became operational, the new-style display has since been set up on 40 of 65 gantries in use. By Nov 3, the panels, each costing about $65,000, will be on 70 gantries. This is when five more gantries will come onstream in places like Commonwealth Avenue, Jalan Bukit Merah and Alexandra Road."

Neo colonialism can save the world

During the days of western colonialism, things were cheap. Cheap labour, cheap land, and low tariffs or no tariffs. The British came and just take over Africa, India and Malaya, including Singapore and many Indonesian islands. And they plant rubber trees on them, mining tin etc. No land cost to talk about. Then they imported indenture labour cheaply from India and China. No need to pay for work permits, maid licence, levies etc. And their import and export to their colonies around the world, tax free also, or very low taxes. A world economic systems built under the same principles of the colonialists must be a god sent solution to the worlds problems. There will be no inflation as all the costs of production will be very low. Instead of planting rubber trees on colonised land, they can opt for palm plantations. But better still, build high rise and high end residences for the rich. And they can sell them cheaper if they want to, as the land is free. Or they can maintain market prices and reap in obscene profits. And some land or sea are rich in oil. And labour must also be must cheaper as colonised people cannot bargain nor have they any rights or be protected by labour law. The wages can be suppressed and kept very low. Looking at all the advantageous of colonialism, it looks very attractive for the 21st century!

Karmic debt

Sunday is a good time to relax and ponder over things in a leisure pace. Time to take a look at issues that one tends to set aside in a fast pace lifestyle. Over the weeks we have talked and discussed about things and certain views need a little reflection when there is no pressure from time. There is one particular point that some bloggers like to point out whenever the CPF money issue is raised. To put it more correctly, our money in the CPF, not CPF money. Or to put it even more correctly, our money that does not seem to be our money as we no longer have any say in it or know when it will be returned to us, if it ever will. At this point in time, there seems to be some timeframe and formula for us to expect that one day some will be returned. But we cannot be very sure of this either. Some gods may discover that we may live till 100 years, and hold back the money till we reach 99. What particularly concerns me is that there is a view, often cited, that the reason for delaying the return of our hard earned money is because someone already have designs on it, to use it for his or her investment plans. And our CPF money is the most handy, with low interest rate and also the ability to delay repayment if the investments did not turn out right. Just push back the repayment to a latter date, or hopefully some may not live long enough to claim back their money. It becomes an endless source of fund. Is this view valid? I am sure no one has any proof that this is the case. But the people will have their own perception of things and will speculate whatever they want depending on how their minds play with their emotions. Would people do such a thing, I mean scheming to use the people's savings for their private thrill of investing or gambling? If hit the jackpot, claim all the credit and pay themselves crazy. If not, just delay payment for as long as possible? Assuming that this is possible? Is there any thing to change the minds of these people? Legislation is not an option. Public demonstration is also not good. Pleading, kpkb are about the only avenues left, but are totally ineffective. Can we call on god to deliver his justice for the disadvantaged people? I think highly successful people are never god fearing. Any signs of god fearing is only a show, to put the people's guard down. See, god fearing people are honest people, do no evil. People who are too successful have a tendency of self delusion. That it is their destiny to be god of the people, to decide the fate of the ruled. They have full control over the direction of the future, and they will do want they think best. And they are beyond reproach. Above law, beyond god, what else could man be made to watch their actions and be met with justice should they erred? The Buddhist has this concept of karma, and karma debt. It is like Newton's Third Law. Every action has a reaction. But it is just a belief, a philosophy of life. Do evil begets evil, do good begets goodness. In reality, there were some examples of bad people ended badly. But there were also many evidences of bad people, evil people, living a life of abundance, and enjoying their wickedness happily. For the meek and weak, they can only hope that something that will deliver justice to them will work. Only such untainted justice, above race, wealth, power or religion, can level the playing field and turn the table on the strong and mighty. The bigger the misdeed, the more people suffered, the greater the retribution. This could explain why royalties or rich landlords did not last forever. It is nice to think about an invisible hand or natural justice standing up there watching over human beans and will strike or reward appropriately. Then again, this is another opiate of the downtrodden. The victims of might and social injustice will dream of such dreams. But life goes on. The poor and weak will continue to be exploited and abused by the strong and powerful, as sure as the sun will rise.

After 45 years of independence...

Have we progressed in the area of political development where the people feel more Singaporeans, more involved, more participatory, and feel more as owners of this island? Or are we still in the third world stage, where the people are still ignorant, illiterate, unthinking, wild and violent, bankrupt of ideas, naive fools? Or we have progressed to another plane, the ethereal plane of sheep, a sound proof plane? While we are seeing more people speaking out in the media forum, and more in cyberspace, we are also seeing fear resurfacing now and then. And for those who are talking, they are very guarded and fear treading on people's shoes, and watching the OB markers like hell. Can we blame them? How can we blame them when the official view is that if you want to talk politics, you better be a politician or join a political party. With such middle age mindset still existing in the minds of our veteran politicians and instant tree politicians, I don't think we are progressing at all. We are still Africans in our political make up. Or at best we are living in the days of the dynasties where authoritarianism is the only virtue in statecraft. Alvin Yeo is quoted in the ST as saying, '...political discourse should be carried out through the political process and through political parties, not societies or associations.' What is political discourse? HDB flat allocation is political discourse. Number of babies is political discourse. National Service is political discourse. Jobs and wages are also political discourse. What is not political discourse? Sex and drugs perhaps? I glance through the discussion on the role of the Law Society and the gag on their learned comments on political issues with a big yawn. Maybe we should define the law more clearly. Every profession can only comment on issues related to their specific expertise. The medical profession only on medical matters. Lawyers on legal matters, architects on bricks and mortars, and workers on how to get more pay rises. etc etc And politicians can comment on all matters as all matters are political matters. This must be the best part of this kind of thinking on division of roles and responsibilities. As all things can be seen from a political angle, the politician shall have the privilege to comment on all things. When will we grow up politically despite the world class education and first world economic status?

Moderations, Mum!

In any discussion or issue, there is always the tendency to go overboard or to take an extreme view. The organ trading is one and will continue to be a hot issue as different people harbour different views arising from their social, religious or cultural background. Unless people are prepared to moderate their positions and take a sensible look at the issue objectively, nothing will change. We will see if there are any fanatics in Parliament on Monday. Let me just talk about another current issue, babies. Go forth and multiply, so says the lord. And some mothers are literary taking this as a new commandment and wanted to have more and more subsidies or assistance. Careful mummies. 3 or 4 looks a sensible number in view of the high cost of bringing up children and the time and attention available for them. Going beyond such numbers must be the privilege of the very rich who can afford to look after them and pay for them. Expecting the society to pay for such personal interest or affection may be asking a bit too much. And that is exactly what 5 mummies are asking in their letter in the ST forum today. They are all mothers of 5 or 6 children and wanted the govt to provide more support for the 5th, 6th or more children. It is all good if they are able to provide for themselves if they so choose to have more children. Just keep it as private matters, private endeavours. The govt is not against people having 5 or more children. Please go ahead if you have the means. If not, be aware of the tragedies that may follow. But for the govt to go all out to support such a desire, we may end up with different problems. Population explosion! Be sensible and pursue your dreams or hobbies within your ability. Done excessively may not be a good thing. Modern living and lifestyle is very stressful and time demanding, and money demanding. Just take it easy. And of course these are educated mothers who are aware of the high cost of living and the problems associated with money not enough. Anyone who knows that money is not enough and goes ahead to produce without restraints is very irresponsible. We must be responsible for our own actions.

Paradise for the rich and famous

7 gleaming blocks of high end condominiums will rise along Farrer Road. And the developer, Capital Land, can rest assured that these flats will be quickly mopped up by the rich and famous. As Liew Mun Leong has said, Singapore is such an idea place for the rich and famous to park their money and enjoy their lifestyle in peace and comfort. We are indeed a paradise. Efficient infrastructure and security for people and money. An oasis of glorious living in a sea of uncertainties. At the rate the rich and famous are buying up the high end properties here and moving in, we are going to live among the very wealthy of the world. Just hope that their wealth will trickle down and benefit the economy and the locals. Our service industries should do very well with people willing and can afford to pay for their services. While one end is seeing constant upgrading, will we see the other end contantly downgrading, trying to keep up with the high cost of living with their miserable pay and existence? How could we keep this lower end happy and improve their living condition and lifestyle? We have heard of many beautiful plans but am just wondering whether they are affordable when the plans are completed and offered to the people.