About 2 years ago, Heartland Girl embarked on a full-time Masters Programme in Counselling and Guidance at the National Institute of Education. The motivation behind that decision was to help more individuals lead successful, fulfilling, and well-meaning lives in her capacity as a counsellor. It was not an attempt to one up Heartland Boy and prove that she is the smarter one in the household, or so she says. Well, the downside of undertaking a full-time course is that she has to reduce the workload at her full-time employment. As a result, Heartland Girl has repeatedly failed to credit more than $2,000 as her monthly salary in her OCBC 360 Deposit Account. That also means that she fails to meet the critical hurdle of “Salary Crediting” and loses out on the 1.2% per annum interest rate on her deposits. Her initial grumbles and complaints slowly descended into demands for …