Thank you, Mr Speaker, Sir. I am pleased to report back to the House that the bicycle, having been repaired over lunch, is back on the road, in good order. As I was saying before we broke up, Mr Speaker, Sir, the bicycle, I was referring to really is a figure of speech, as you quite well realize. It has to be large enough to accommodate all Singaporeans of all hues and capabilities, of different ages and inclinations, and obviously, each with an independent set of pedals. Why do I choose this rather unglamorous form of transportation when my colleagues before me were dwelling on MRT and other similarly exotic vehicular traffic. The reason is very simple, Sir. There is one unalterable physical fact about cycling, as all of us well know: one has to keep on the move, keep on pedalling to remain on the seat. To stop means to fall off. This is not unlike the way Singapore has grown over the past 21/2 decades. We had to strive continuously to achieve political, economic and social growth and were never at any one time able to relent despite the fact that on many occasions the odds were so overwhelming that men with weaker physical and intellectual abilities would have given up. But fortunately for us, the younger Singaporeans, our leaders did not give up. They kept on pedalling. True, the bicycle was travelling at different speeds at different times. Sometimes we encountered obstacles and had a bumpy ride. We slowed down when we had to move uphill. On the very rare occasion, we free-pedalled a little as we went downhill but often times there was always a danger of a fall as we negotiated curves and hairpins. Despite all the traumatic experiences we had encountered over the past 25 years, we have arrived at the present stage of our progress and must continue to pedal on. One thing that has remained unchanged, Mr Speaker, Sir, is the physical principle which will apply as long as the law of gravity exists, and that is, we have to keep on going to avoid failing off. To achieve that means that we have to put in the effort continuously, putting in more effort when the going gets tough just as we did when we encountered hard times and steep inclines in 1973 and 1978. But one factor is unaltered; we cannot afford to stop, for to do so means falling off and, in our case, it will not be unlike Humpty Dumpty. Once we fall, Singapore will never be the same again. Let me digress a little, if I may, Mr Speaker, Sir, to regale you with two important features of this rather large and unique bicycle. Firstly, I would like to stress that despite the size of this mam- moth contraption only one person can steer this bicycle. To encourage otherwise will only end up in the bicycle becoming a twisted hulk of metal. It begs the question then: who should steer? I think the obvious answer would be the striker. I know, Mr Speaker, Sir, I run the risk of getting my metaphors mixed. I suspect what we end up with will be a footballer-cum-bicyclist. But what is important is that this striker who is steering the bicycle must rely on inputs from all his colleagues, from Cabinet and Parliament, our various grassroots organizations, our community leaders, and most important of all, the people who are right behind the striker, pedalling away, putting their best foot forward. What is worthwhile repeating really is that the person who is doing the steering must have enough gauges and meters to know what is going on at the back of him -whether the people are exhausted, what sort of refreshments the cyclists require, what are their needs to keep on going. Not only must he have this feedback but what is equally important is that having got the feedback he must take heed. He neglects it at his own peril and endangers the whole nation by so doing. Because by neglecting the feedback he may end up steering but getting nowhere. Since we have referred to the striker, one probably wonders where is the place for the goalkeeper. I suspect he will be right at the end, bringing up the rear. In case the bicycle wobbles while negotiating a bend, he will be in a good position to put on the brakes or perhaps even crack the whip. The second feature of this bicycle is that everyone on board is carried along on one condition - provided he is giving of his best. What is equally important, as mentioned in the Presidential Speech, is that everyone has a place on this bicycle. No one should be left behind or discarded as the bicycle progresses. In this regard, again I am thankful and gratified that the Presidential Speech clearly stated that each citizen will be urged "to develop his potential to the fullest, and to achieve his rewards in accordance with the worth of his contribution to our economy or society." The question that is being begged to be answered really is: how best to help each individual to develop his potential to the fullest? Or look at in another way: how much resources should be deployed to help those who are less talented, less well-endowed, less able and consequently require more care and more attention? Alternatively, should more resources be used to develop the better-endowed and the more talented? I suspect the answer lies somewhere in between. We cannot have the cake and eat it too. There must be a trade-off. I would like to dwell a little on this question because, to me, it is the under-pinning philosophy of the whole Government's agenda, Should we trade-off faster progress for a slightly slower one in order that more people can benefit from our prosperity? If that is so, then the Government has to make a conscious effort in bringing this about. Having perused the Addenda, while I detect some implied thinking along this line, I was unable to discern any clear indication regarding Government's position on this rather crucial policy decision. I realize that reference has been made, albeit in a general way both in the Addenda as well as in the Presidential Speech about helping the lower-income group, the aged, the less fortunate, the less able and so on and so forth. These broad objectives are laudable and are at the same time in line with our overall aim of improving the quality of life for all Singaporeans, as I have stressed earlier on. But let me hasten to add, Mr Speaker, Sir, that all of us here, and I suspect every Singaporean too, realize that we do have limited resources but, at the same time, we also do have Singaporeans who need that linle extra help or push to realize their full potential. Given the best of will, they cannot make it on their own. Therein lies the dilemma. The nub of the matter really lies in the way in which we, the Government, and we, the people, wish to cut our cake. Who should have the larger share? I am posing this question because we are debating the Government's agenda for the next 10 years. We are also in the midst of a rather critical situation in view of the economic difficulties we are likely to encounter over the next year. So the policy as to how we ought to cut the cake will impact not just those who are likely to benefit but all Singaporeans. I would perhaps like to, if I may, quote a few figures to help bring the problem into perspective and hopefully enable the Government and ourselves to have a better grasp of the dilemma that we are facing. I have gone through the Report, the Census of Population, 1980, which is perhaps rather ancient being about four years old, but I think the patterns and the trends are still applicable. In this particular Report, Release No. 7 which gives the income profile of the population, the 1980 Census showed that about 70% of employees earned less than the mean income. I do not intend to go through the details, but roughly, a summary of Table 11, on page 46 of this Report, indicates that for employees with no qualification, their mean monthly income in 1980 was $352 and 69% of this category of people were earning below the mean income. Those with primary qualification, numbering some half a million, their mean monthly income was $425, with 74% of the employees earning below the mean income. For those with secondary and upper secondary education, the mean monthly income amounted to about $785, with 68% earning below this figure. For those with tertiary education, the mean monthly income was $2,401, with 54% earning below the mean income. For the whole group of employees, numbering some 900,000 of them, the mean monthly income, I would like to reiterate that this was in 1980, was $585, with 70% of the employees earning below the mean income. In short, some two-thirds of employees in 1980 earned below the mean income. However, to make policy decisions based purely on such figures would not only be irrational but would be totally wrong. Let me explain. Fortunately for us, household incomes have substantially increased over the past three to four years because of the full employment situation which we enjoyed over the period 1979-1983. Hence the standard of living rose over this period despite what could be deemed to be relatively low individual incomes. Indeed, the 1980 Census Survey confirmed this, and I would like to quote: "The second and subsequent working members of the household provided modest but important supplementary income to the household." So despite the fact that superficially the bulk of, or to be precise, some two-thirds of the employees earned below the mean income, Singaporeans were able to afford a fairly comfortable way of life for the simple reason that we were able, despite the many setbacks and an unfavourable, global economic situation, to maintain full employment, thereby providing ample employment opportunities for Singaporeans from all walks of life. As such, I would not be too perturbed if someone stood up and said, "Look, $585 is way below subsistence level, if ever that was." But what is perturbing, Mr Speaker, Sir, is that with the likely downturn in economic growth over the next year, I am afraid that more workers will be retrenched, job opportunities will decrease and, as a result, household incomes fall. The net effect will not only be the reduction in individual incomes, but also in household incomes. And this latter effect, the drop in household incomes, will have fairly grave consequences. The point I am making, Mr Speaker, Sir, is that the Government and we in Parliament ought to bear this in mind when formulating policies, particularly those which have a financial impact on the average household. In this regard, I am really pleased to note that this fact has not been overlooked. The Addenda indicated very clearly that the Government in its farsightedness has decided that lower income families will require assistance to own their own homes, just as one example. This is a laudable and a necessary policy. Since most of my colleagues have already touched on how Government can help the lower income families to own their own homes, I would not reiterate any of these suggestions, but perhaps to round up by saying that, whatever schemes the HDB or the Ministry of National Development or the Ministry of Finance may come up with, they should take cognizance of the fact that in a prolonged recession, particularly if it is going to result in massive retrenchments, not just in numbers but also in frequency, lower income employees invariably by the very nature of their jobs that they are engaged in, will be affected disproportionately. As such, when drawing up details of any scheme to assist home ownership, they must take into account that these families will need that extra help. Let me add, Mr Speaker, Sir, that these same low income groups will also require assistance in other areas as a result of the reduction in household incomes. Since education is uppermost in most of our minds, it will be a useful example to examine children's education in primary and secondary schools in this respect. I do not have any ready figures. But I strongly suspect that the majority of children who have been streamed into the monolingual or extended stream in primary schools, and the normal stream in the secondary schools, are from lower income families. I am sure the Ministry of Education will be able to confirm whether this is so. But the crucial point is whether Government ought to channel more resources to help these students, namely, those in the extended or the monolingual streams, or the normal secondary stream, with the sole objective of enabling them to realize their full potential. It is well and good to stream them into schools where they are able to learn at their own pace. To succeed more resources could well be required to help them along. Mr Speaker, Sir, if our declared policy is to help those who need help to help themselves, then I feel that it behoves us to consider seriously to deploy even more resources to help the children from the lower income families in order that they could break out of the poverty trap and move up the economic ladder. In case some of my colleagues think that I am going soft, I am making this plea really in the hope that the declared aim of the Government in helping each and every Singaporean realize his full potential can really be met, and is not just a slogan. I will be the first to declare that meritocracy has served us well. Equal opportunities have enabled those who are talented and well- endowed to rise socially, regardless of their race, creed, culture or their stations in life, or background. Indeed, I have often compared the upward mobility of our society to that of a concertina. In short, our society, as a result of free and easy mobility, has expanded like a concertina. It is really up to those who have made it to the top to help the others struggling at the bottom of the heap. At the same time, I think Government equally has the responsibility to make it a conscious policy to help those at the bottom not by hand-outs, as may be advocated from time to time by one or two MPs, but really by giving them the extra assistance in order that they can succeed in pulling themselves up by their own boot-straps. What they need is that little extra help. And this help which must be forthcoming from the Government is not only morally right, but I feel very strongly that it is also a pre-condition for continued social harmony and national cohesiveness. Because if we promote a society, where the concertina is overstretched, with the result that those at the top of the heap pay scant regard to those at the boftom, there can only be but one result - civil strife, chaos, and all the attendant disastrous consequences. Indeed, when we speak of total defence, something which we have been trying to promote, everyone must have a stake which is worthwhile defending, and if the bulk of our population does not have any stake, then I am afraid the concept of total defence will never succeed. Hence, it is really in the interest of national survival that we make every effort to assist those at the bottom of the heap. In short, Mr Speaker, Sir, Government has stated quite categorically, as I said at the outset, that it will create an environment where each and every Singaporean will give of his best. I think no one will quarrel with that. Moreover, their respective talents will be developed to the fullest. This broad policy deserves our full support. What I am suggesting, Sir, is that Government, when translating this overall policy into programmes at the ministerial level, should take extra care to ensure that the talents of the less well-endowed and the skills of the less able are given every opportunity to be developed to the fullest, like those of their more talented and better endowed fellow citizens. And this, I must stress, will require a conscious decision in policy formulation on how much of our limited resources are to be used and for what purpose. I am afraid, Mr Speaker, Sir, there is really no one clear-cut answer to this difficult decision. But one thing is clear. We ought to bring our minds to bear on this matter and convince Singaporeans that whatever decision we arrive at, it has been made in the best interest of Singaporeans at large in the longer run. The guiding framework I touched on earlier will continue to be what is most good for the maximum number of people. I have, however, one caveat to this approach of helping the people at the bottom of the heap. Having been told of the Government's intention to pay particular attention to the lower income group, the aged and the disadvantaged, Singaporeans will invariably put under the microscope all policies particularly those relating to fees, rates, fares and I suspect it will include the impending increase in taxi fares, and compare such fare adjustments, fee increases, against the declared policy. This is inevitable. And as a Government we have and must have the courage to stand up to it. What we must prevent at all costs is to lose our credibility, and that is, to preach one thing and do another. Yet at the same time, let me hasten to add, Mr Speaker, Sir, we must not swing the other way and create what has been called the "crutch mentality" in any strata of our society, nor by our policies ought we to encourage dependency and slothfulness. What is called for is a judicious balance to be struck and, at the same time, whenever increases of fares, rates and fees are inevitable, great pains ought to be taken to explain why such increases are necessary rather than just making changes by merely promulgating legislation, just by the stroke of a pen. The litmus test really is that the "national bicycle", if I may term it, must be kept going with everyone pedalling to the best of his ability, realizing of course that some will need more help than others. And those who need more help ought to receive more help, not because we believe in hand-outs but because this is to enable them to give of their best. In this way, everyone can and shall enjoy a better quality of life in accordance with his contributions. I note that one of the declared objectives contained in the Presidential speech is that Singapore ought to be a fun place to live in. I would like to expand on that by stating in no uncertain terms that unless life in Singapore can be fun for everyone, no one will be in a position to enjoy any at all. It is with this reminder that I support the motion standing in the name of the hon. Member for Ayer Rajah. 3.06 p.m.