Ok, so now for my second personal update.   You should have noticed that some of the trainers who were active five years ago are nowhere to be found, so it does not take a genius to figure out that my industry is practically dead. My Early Retirement Masterclass has been running for about 8 years, and it no longer pays the bills directly; it has become more of a hobby to me. The inclination to just quit the business is quite strong given such poor numbers, but the primary reason I remain in this industry is that it forces me to maintain my knowledge of financial markets, and teaching it sharpens my investor instincts, as years of using my programming skills to suggest financial trades and backtest different scenarios give me an understanding of financial markets that is rare for such a small, insular market like SGX. And we've come a long way from...