( In Mandarin): Mr Speaker, Sir, generally speaking, the Government's policy, as outlined in the President's Address, is basically correct and encouraging. However, I feel that there is need for me to comment on a number of points. First, on public housing. The HDB's plan to improve the neighbourhoods of HDB housing estates, including the upgrading of existing flats, and installation of water-proof flooring, etc, is most welcomed by the people. However, the HDB should pay attention to the design of the flats. Many residents complain that the doors of some HDB flats are too small, making it very difficult for them to get the furniture into the flat. Although this may appear to be a trivial matter, it has caused inconvenience to many residents. Another problem concerns the water tanks. As the water tanks on the roofs of HDB flats are not sheltered, the temperature of water coming through the pipes can be very high in the afternoon. I have received complaints from many residents on this matter. I hope the HDB will look into the matter and improve on it. The HDB, I believe, must have been looking into this problem because it has received many complaints on this matter. I took up this matter with the HDB, but it has pushed the responsibility on to the town councils. Now I wish to tell the HDB that if they want the town council to take up the matter, of course, there is no problem. However, the town council needs the cooperation of the HDB. For example, the town council must 2have certain funds to carry out the works to improve the facilities. Furthermore, the engineering and architecture departments of the HDB have to approve the plan for the works. Another point is that the HDB has recently amended many of its rules and regulations, making it more convenient to the people. This is something worthy of our praises. However, there is one matter I would like to comment on, that is, the HDB has recently stopped the practice of providing office premises for Members of Parliament. I think this is a wrong move. MPs are rendering their services to the residents. They are like grassroots leaders. If the HDB allows grassroots leaders to have their offices at the void deck of HDB flats, why can't MPs also have their offices at the void deck? This will enable the residents to meet their MPs, to seek their help, and to raise some complaints with their MPs. The MPs will also find it convenient to provide their services to the residents. HDB argues that the void decks are in great demand and there is more and more use for the void decks and therefore MPs cannot have their offices at the void decks. This argument does not hold water. For example, in Nee Soon Central, there are more than 140 blocks of HDB flats in the constituency under the charge of our town council. To say that there is no space to build a small office for the MP at one of the void decks of the more than 140 blocks of flats is simply unjustifiable. Therefore, I hope that the HDB will look into this matter. Now I would like to touch on the question of labour. In the Ministry of Labour's addendum to the President's Address, it was mentioned that more and better job opportunities will be created for our people. As a matter of fact, I have already felt it. In the execution of my duty as an MP, I have come to know that the Employment Unit in the Labour Ministry has rendered a lot of assistance to the voters in my constituency. I would like to take this opportunity to thank them. However, in the protection of the interest of the workers, the Labour Ministry's effort is still inadequate. I hope that the Government will look into the matter and amend the law as soon as possible to provide for priority to be given to the payment of salaries and CPF contributions owing to the workers when a company goes into liquidation or receivership and when its assets are being auctioned off. I am aware that there is one high-tech vegetable farm in Yishun which owes as much as 10 months' salaries to its workers. The matter is now in the hands of the Labour Ministry. I hope that the Labour Ministry will deal with the matter appropriately to recover the salaries and CPF owing to the workers. Next, I would like to speak on education and health care. I would like the Government to pay close attention to the hefty increase in educational and medical cost. The Government should be very careful in this matter. I feel that the Government should increase its subsidy on education and health care because we have a sizable reserve fund in our coffer and our taxes are heavy. The Government has a large income. Therefore, it should allocate more funds to subsidise these two welfare items. Another point is that education should not be linked to politics and be influenced by politics. Of course, the political influence is inevitable. However, education should not be used as a political weapon. For example, after the General Election, the PAP has threatened residents in the Opposition constituencies that they want to withdraw or cut down on kindergarten classes in those constituencies. This is a sign of mixing up education with politics. In a reply to the readers' letters, the Press Secretary to the Prime Minister wrote in the Straits Times of 1st January that the PAP Community Foundation was a non-profit making and charitable organisation, and that it was not the People's Action Party itself. Therefore, we can see that the PAP has failed to distinguish between itself and the PAP Community Foundation. Whether it is a private organisation, or a Government organisation, education should not involve politics. If the PAP Community Foundation is not a political organisation, that is, not the PAP itself, then why is the PAP threatening to withdraw or cut down on the number of kindergarten classes? This clearly shows that the PAP, the ruling party, has made use of education as a means to threaten the people. Now I would like to touch on privatisation. I agree that the corporatization of certain competitive enterprises and non-essential monopolized enterprises by the Government is a right move. However, important monopolized enterprises, such as public utilities, should not be privatized. Otherwise, corporatization would necessarily mean the increase in fees or charges. Of course, the Government could allow some private enterprises to participate in the operation of these enterprises, subject to some stipulated terms and conditions. However, the Government must be very careful. The Government allows the schools to go independent and the hospitals to be privatized. In my view, this is tantamount to Government shirking its responsibility. If the Government cannot manage these institutions as good as, if not better than the private sector, then what does this show? Next, on CPF. In my view, the Government should have more flexible regulations on the use of CPF. When there is turbulence in a society, apart from racial conflicts, I think the main problem is the contradiction between the rich and poor. In a society, those who "have" should help those who "have-not". For this reason, I am glad to note that the Government has encouraged community organisations to set up various schemes to help the poor and less fortunate people. This is certainly a correct move. But I feel that the Government should relax on the use of CPF so that people with large savings in their CPF accounts may be allowed to withdraw a certain amount of money, within a specified scope, to help their relatives in the payment of their housing loans and conservancy charges, and even their cost of living and medical expenses during unusually hard times. I think this is one of the ways the Government should consider. Now, I would like to speak on consumption tax. The Finance Ministry will be presenting a White Paper on consumption tax soon. This is a prelude to the Government's intention to introduce consumption tax. I am very concerned about this matter. As the consumption tax will be levied on all our people, it will be extremely to the disadvantage of those in the lower income group. I urge the Government to carefully study the matter and not to implement this consumption tax hastily. I agree with the Member for Leng Kee, Dr Ow Chin Hock, that all the basic necessities, such as food and sundry goods, should be exempted from such consumption tax, if the implementation of consumption tax is truly unavoidable. Another point I would like to talk about concerns a problem in our car quota system, particularly the surcharge on old cars. The Government imposes a road tax surcharge on cars above 10 years of age, and the surcharge is increased by 10% every year for five years. The reason given by the Government for imposing this surcharge is that such old cars can cause congestions on our roads because they may stall on our roads, that they emit a lot of exhaust fumes, thus polluting our environment, and that they are noisy, causing noise pollution. These are the reasons given by the Government. However, is the Government saying that by imposing a surcharge on these old cars, all the abovementioned problems could be resolved? No, the problems will still exist. As such, this is not a valid reason, not a genuine reason. In my view, the real reason is that the Government wants more revenue, and not the reasons as given. As we know, some of these cars which are over 10 years old have been well maintained. The Government requires all old goods vehicles to be inspected once every six months and old motorcars to be inspected once a year to make sure that they are road-worthy. The quality of different makes of cars varies. The manner in which they are maintained is also different. If the cars are well looked after, I am sure many of them are road-worthy. Some cars are rarely used on the roads. Of course, taxis are running on the roads most of the time. They suffer more breakdowns. But most private cars are only used by their owners to go to office and back home. They are in good condition. For these reasons, I feel that the Government should abolish this surcharge. Today, a car is no longer a luxury item. Many less well-to-do people need a car for their daily lives. The surcharge imposed by the Government is very unfavourable to them, and has increased their burden. I hope that the Government will carefully consider my suggestion to abolish the surcharge. We can use other methods to control the use of old cars. We can fix a life-span for each car, for example, motorcars may be used for 20 years and goods vehicles may be used for 15 years. We can set a basic stipulation, and then review the matter in due course. 15 or 20 years later, if the condition of the vehicle is still good, still road-worthy, then we should allow them to continue to be used on the roads, with a little extra levy. This will be more reasonable and more practical. Next, I would like to talk about the Government's so-called "consultative" style. I am very glad that the Government has announced that it will be more "open-minded" and "consultative". However, the promise must be a sincere one, and not just to put up a show or to earn more political capital. I can give two examples to illustrate the point, for example, the Elected President system and the new system of telephone charges. After the 1988 General Election, the issue of the Elected President was brought up. Thereafter, many people asked the Government to conduct a referendum to decide whether or not to implement the Elected President system. Many grassroots organisations also held the view that there should be a referendum. However, the Government did not accept their view. The same applied to the new telephone charging system. Many people objected, and they felt that the new system was no good because it would give rise to many problems. First, the cost will go up. No doubt, some people may pay less, but the vast majority will have to pay more. Secondly, the people-to-people relationship will be undermined. When you need to borrow the use of a telephone, you will have to first consider whether the subscriber will be happy to let you use the telephone. On one hand, the subscriber will feel bad not to let you use the telephone. On the other hand, he or she will have to worry about the charges to be incurred. Thirdly, the school children will hesitate to use the telephone to discuss homework with their class-mates. The old folks will not be able to chit-chat with their old friends. The old people are thus deprived of this little entertainment that they used to enjoy. There are many defects in the system. Many people have brought them up, but the Government has failed to consider them carefully. The Government's explanation is that under the old system, everyone pays the same subscription whether you use the telephone very often or not, and that is not fair. In my view, this is not a valid reason. If the Government is sincere about it, they should reduce the subscription for those who use the telephone less frequently. There is no need to implement this new system of charging. If Telecom is serious about not wanting to earn more revenue but to improve its services to the subscribers, then it should not implement such a system. It should, instead, increase the number of telephone lines rather than resort to this sort of time-based charging system. Singapore is a small country. There is no need for us to lay very long underground telephone cables. Therefore, unlike the western countries, we have no need to adopt this time-based charging system. The other countries have to adopt this system because their land is wide and the cost involved in the laying of long telephone cables is mammoth. They use this method because their cost is high. There is another point which the Government might have overlooked. Singapore is a commercial and industrial society. Telephone is an extremely important means of communication. By introducing this restriction, the Government may cause an inflation. Because, once the operational cost is increased, the businessmen would pass on some of the increased cost to the consumers. Therefore, if the Government is serious about practising the consultative style of ruling, it should be done sincerely in substance and not merely in form. Another point is that I hope the Government will consult the people whenever it wishes to introduce a new policy, and not after the policy has already been implemented. When deciding on a policy, due consideration should be given to the actual situation, and it should not just be based on some theories or statistics. Let me give you an example. When I was in primary school, the school conducted a mathematics competition. One of the mathematical problems was: "There were five birds on the tree. A hunter used a gun and shot down one bird. How many birds were left on the tree?" [Laughter]. This is a very good example to illustrate the point that, when deciding on a policy, due care and caution must be taken. It should not be based merely on some theories. Coming back to this example, if you look at it purely from a mathematical perspective, one out of the five birds was shot down. Of course, four birds would be left. But, if we look at it from the practical point of view, not even one bird would be left on the tree, as all of them would be frightened off. [Laughter]. Next, I hope that the Government and the people in our society will show more concern for the problems of our old people. I appreciate that the Government is rather concerned about the problems of our old people. However, there is still room for improvement. The Government and the society should show concern for the welfare of the old people, because they are our older generation. They have contributed greatly with their blood and sweat in the process of our nation building. The fruit of success that we enjoy today is brought about by their contributions. For this reason, we should not forget them after they have retired from active service. Then only can we build up a compassionate society. I wish to thank SBS for granting concessions to the senior citizens. This is a way to return our gratitude to the older people. However, I would like to make a suggestion to SBS that the hours of restriction in which the senior citizens can enjoy concessionary fares should be lifted, so that they could enjoy full concessions and not be restricted to non-peak hours only. I hope that the Government will study the suggestions which I have put forward, review its policies and revise them. Finally, I wish to thank the President for his Address. I support the Government policy as outlined in the Address as it is basically beneficial to the nation and the people.