Some comments on the article of yesterday: The author warns about a very serious issue that is slowly cropping up and could have devastating effects in the long term. This reminds me of frogs, if you throw them in hot water they will immediately jump out, however if you put them in cold water and slowly boil the water the frogs will not feel the difference and stay in it until they die. The frog is the Malaysian exchange with PNB, EPF etc slowly turning up the heat.