Well, this is the final part of expounding on my role and standing as an IFA and it is with humility that I am still in the business because chiefly of God's grace and what I believe to be my clientele's trust in me in looking after their interests and financial well being. Yesterday, I like to believe I not only talk the walk but walk the talk as an IFA in going the extra mile to serve my existing clientele. It was indeed a rather harrowing day because NTUC-Income's Capital Plus product was closing. At the launch of this product on July 18, 2008, the insurer's cap on subscriptions for this product was specified to be $150 million but as of yesterday morning, the monies collected totalled $190 million but out of goodwill, the insurer was prepared to accept further applications up to 5pm on july 31, 2008. Because of this, I called up some of my clients in the morning and early afternoon who had been informed earlier of this product but had not decided and told them I was prepared to personally come and collect their applications as a value add service to them.