I cannot help but feel a sense of pride as I watched the National Day Parade on TV. It is a joyous occasion, a grand celebration of our past successes. I cannot help but feel that we have come a long way from very humble beginnings. At the same time, birthdays also present an opportunity to look forward and project our aspirations for the future. Here are my three wishes for Singapore. 1. I wish that the level of financial literacy for all Singaporeans would increase.  The bedrock of Singapore’s success lies in commerce and finance. Yet, for a global financial outpost, the financial literacy of Singaporeans leaves much to be desired. Let me qualify. When I say financial literacy, i do not mean the ability to comprehend the Black-Scholes model. Leave that for the geeks, the majority of us get through life unscathed without any of that. What ......