Sir, I thank all the Members who have supported this Bill. I do not think anybody has objected in principle to the idea of having special upgrading works in order to give the HDB more flexibility to improve the upgrading package. However, the Members have made several very important points which I would like to address. First of all, the question of why selective polling and whether it will destroy the concept of community living or collective responsibility, as Dr Teo Ho Pin and other Members mentioned just now. It is an important point because the concept of collective responsibility, of sharing in the maintenance and the cost of upgrading of common properties, is an important pillar of communal living in HDB estates. So whether or not they use the playground or the Senior Citizens' Corner, or even the linkways, they pay their share of the cost of upgrading and of maintaining these common facilities. Indeed, this is the case for the standard package of the Main Upgrading Programme. It includes many of the items that were mentioned by the Members, booster pumps, Senior Citizens' Corners, linkways, playgrounds, etc. But that is the standard package. Some of the items that are desired by residents may not be in the standard package. They are outside the scope of the standard package of the MUP. This is the reason why the Ministry and the HDB, in response to many of these requests, came up with this particular amendment to the Bill to introduce what is called "special upgrading works" in order to give the HDB greater flexibility to do more, in addition to what is being done in the standard package and in the space-adding items, ie, to do more for residents during the Main Upgrading Programme. One of the common requests on the wish-list of Members of Parliament is lift upgrading for those blocks which do not meet the HDB lift upgrading criteria. Right now, such blocks would not have their lifts upgraded. The reason why this is so, we have discussed in this House many times. Lift upgrading is an extremely expensive exercise. As Mr Iswaran pointed out just now, to install a new lift shaft and new lifts can cost anything between $500,000 and $1 million or more. When we are talking about lift upgrading for these special blocks, those Members who are familiar with the issue, who have such blocks in their constituencies, the so-called segmented blocks, would appreciate the exercise. We are not talking of just installing one or two additional lift shafts. We can be talking about three or even more lift shafts. If we are talking about three lift shafts, we are talking about $3 million and dividing this across, say, 70 or 100 residents. That is a lot of money. We are not just talking about one or two blocks. We are really talking about, throughout the whole of Singapore, something like 900 to 1,000 blocks. These are the blocks of flats which were built before 1990 and which were built with this special design. They were popular at that time because there was a certain degree of privacy involved in these blocks and quite a few residents actually opted for these blocks. Be that as it may, there are many of these blocks around. They do not meet the lift upgrading criteria set by HDB. These criteria are put in place in order to make sure that in embarking on the lift upgrading exercise, there is a certain financial discipline involved. As it is already, the HDB has undertaken under the Main Upgrading Programme in the standard package to upgrade all those blocks which do meet the lift upgrading criteria. Here, we are talking about something like 3,000 over blocks. As we progress in the Main Upgrading Programme, the lifts will be upgraded to give direct lift access to the residents in these 3,000 blocks. So we are coming back to the issue of what do we do with the segmented blocks. We all know it is an extremely expensive exercise. But at the same time we also realise that the issue of mobility for the aged is a real problem. The IMC on the Ageing Population has made this recommendation, as Mr Seng pointed out, that the HDB should retrofit its blocks in order to make sure that the aged can grow old graciously in situ, in other words, to remain where they are in the flat and not have to move out. HDB, in fact, has already embarked on such an exercise to retrofit most if not all of the blocks. As I explained before, there is a certain financial constraint involved in trying to upgrade all the blocks. There is a certain financial discipline that they have to observe, and this upgrading programme must comply with certain criteria. So the purpose of this particular Amendment Bill really is to give HDB that flexibility to do more, over and above what is currently being done under the standard package of the MUP. It allows residents, in consultation with their Members of Parliament, if they really desire such additional works, to vote for these special works, like lift upgrading, and by so doing, to signal their intention and their agreement to co-pay part of that cost. In other words, this is an additional option for them. We are not taking anything away. We are saying, "Look, if you really feel that this is necessary, then here is another choice for you, here is another option." And then once we get past that hurdle, the next thing we need to do is to work out the mechanics of it, such as how do we decide whether to proceed or not, what constitutes majority vote, how do we decide that there is this very strong endorsement, and so on and so forth. So we have for want of a better percentage taken the same percentage that we do for the other polling exercises that we conduct for upgrading programmes. We use 75% yes vote as an indication of strong support. Members have asked why should they pay in the first place. Mr Ang Mong Seng gave several reasons why it is not fair to get the residents to pay, that it should be the Government that should be paying for it. I think, in the first place, the upgrading package under the MUP is already a very generous package. There is a budget per flat for MUP. The budget ranges from $40,000 to $60,000 per flat for MUP, depending on whether there is a space-adding item or not. And this budget of $40,000 to $60,000 per flat allows a certain amount of work to be done. There is a certain list of works that is required to be done under the standard package - precinct works, block works, and even some works within the flat. At the last Budget debate, I had announced the revised budget for MUP which involves more works within the flat. But the total budget is a generous one, and the co-payment by the residents is minimal. The value that they get is very much more than what they pay. So this Bill is not about increasing the MUP budget. It is about giving the residents more options during their MUP. It is in a way a bonus for those residents who benefit directly from the works. If we are talking about lift upgrading for segmented flats, as Mr Iswaran will be able to tell you, not every resident is going to benefit from it. The lifts are already there. They do stop at some of the floors. If we were to ask the residents who already have a lift that stops on their floor, whether they would like to vote yes for the lift upgrading, I think the answer is quite obvious. So really it is a bonus for residents who do not have this benefit today but who will be benefiting directly from such works. Therefore, on the basis of fairness, on the principle of equity, it is the residents who are benefiting directly who should be co-sharing this cost with the Government. On top of this, as I have explained earlier, these works do not come cheap. They are expensive. And I think it is a very good test of whether you really need such upgrading works to be carried out if you are also required to co-pay. If we were to go around and say, "Look, this is free, would you like to have it, I do not think we would be here in this House debating this issue today." And I think such manna from heaven, as the Member has suggested just now, does not come very often. The fact remains that this is a necessity for many residents. I think we all recognise that, many Members of Parliament also recognise that. So, how do we within the existing budget, within the amount of the money that has been allocated for upgrading, try to accommodate such requests? In the first place, should we have such an additional option? The answer is yes, I think we should. In the second place, how do we work it, how do we make it happen in such a way that there is equity? This is where we have a selective polling and the requirement for those who benefit directly and who vote yes, pay for it. And the Government on its part will also allocate part of its MUP budget for the purpose of embarking on these selective upgrading works. Mr Seng Han Thong, and I think Dr Vasoo also, asked whether the cost of sharing will be affordable. Will it be too high, therefore making it an academic exercise, as it were? I mean, what is the point if they cannot afford? I have two points to make here in response to the Members. The first point is that we will have a fair co-payment formula. What that co-payment formula will be must vary from project to project, and it depends on the type of work that is going to be undertaken. So I cannot at this point in time tell the Members what that particular percentage will be. But we will make it a point that it will be a fair percentage and the Government's share will be the majority share. What about those who cannot afford to pay? I think what the Members can do is to inform these residents who are either not working, who are retired, or who are low-income families, that there are schemes available in the upgrading package which will allow them either to defer their payment for up to a year or even longer to stretch their repayments, or even to avail themselves of schemes whereby they do not have to pay upfront at all, if they can demonstrate that it is not within their capacity to pay, but to pay only at the end when they sell off their flats, if they were to sell off their flats. So it is really a deferred payment scheme. But, of course, such schemes are not available to all, only for those who demonstrate that they cannot afford. So we will make it a point to make sure that those who cannot afford will be given assistance and in such a way that they will not lose the opportunity to benefit from this scheme. And we will make sure that it is not an academic exercise. Mr Iswaran also asked about frivolous proposals, what happens if some residents were to come up and say that they want something to be done, which he would consider frivolous. I think I would entrust this responsibility to the Members of Parliament. If they feel that the proposal is worth considering and they bring it up to my Ministry, I would take it that it has passed the test of the Members of Parliament's scrutiny and therefore it cannot be frivolous. Anything that comes up to the Ministry is not frivolous. But if it is frivolous, then I do not expect it to come up. The last point I would like to address is Mr Tay Beng Chuan's point about the home office. I think he may have been mistaken because the amendments do not allow HDB flats to be used for any commercial purpose. Under the Technopreneur Home Office scheme, it requires the business to register with NSTB to meet certain criteria in order to be allowed to register their office in an HDB flat. This, of course, is different from using the HDB flat for businesses. I think we know that many people use their HDB flats to conduct small businesses. Some do sewing; some do other work, like making boxes and so on. There are also others who use their flats for drafting, like some architects who use their flats for doing their work at home, and many people, of course, who telecommute, work from home. So that is quite in order. So long as they do it without creating a nuisance to their neighbours, HDB does not have any rules against it. But what the THO scheme does is that it allows the entrepreneur to register his office address as his HDB flat. That is the special requirement or special dispensation that is being given to these start-up companies. So this Amendment Bill does not actually open up the scheme to all commercial enterprises but only to those registered by the NSTB under the THO scheme. But having said that, of course, we will continue to monitor the scheme on an on-going basis, and if it does not create any disamenities, I see no reason why we cannot extend the scheme later on. Mr Tay also made several other points. I think the general point he made was that HDB should actively revise and relax out-dated rules and regulations. I do not think it would be a fair statement to say that HDB's rules and regulations are so stringent as to stifle creativity or innovation. In fact, I wonder whether the rules that are enacted by, say, the management corporations of private estates, are not as rigorous, if not more so. For example, I know that there are many management corporations who do not allow the flat owners within their estate to renovate their flats, to change their windows or to do other things of that nature, because it may mar the general outlook of those particular blocks. I think it would be too sweeping a statement to say that HDB's rules and regulations are over-stifling. Take the three examples that he mentioned, for example, parking rules. Why are there parking rules, why can HDB not encourage friends and relatives to visit by, say, waiving fees? This, indeed, is being done. I think most Members of Parliament who have made a request on behalf of their residents will find that HDB has been quite accommodating in this respect. But there is a certain limit. There are certain times and certain areas where the answer is no, and the answer is no simply because the residents themselves object. Why? Because if it so happens that their block is next to a neighbourhood centre, on Sunday, all the customers of the shops would come and park their cars there and shop, and instead of having friends and relatives coming to visit them, it would actually be free parking for the benefit of the shops in the area. When Members of Parliament put this proposal up, they know that, on the ground, there are certain problems associated with just opening it up completely. That is the reason why in some areas there is free parking and some other areas, there is not. So HDB has been accommodating and will continue to be accommodating in such instances. But for every rule that they change, while that benefit is appreciated by one group, at the same time, another group would be quite against it. On flower boxes and other safety features, HDB informed me, when I was looking at the killer litter issue, that they in fact did incorporate flower troughs in the design of several blocks of flats in Pasir Ris and Queenstown. I believe that was about five years ago. It was one of the design innovations that HDB embarks upon on a regular basis, arising again out of requests by some residents who say that they would like to plant flowers. But five years down the road, they have gone back to revisit the situation and they find that, lo and behold, instead of flowers in the troughs, you have all sorts of other stuff in the troughs. So it is being used for rubbish disposal, for storage, for anything, but putting flowers. So another well-meaning gesture goes down the drain. I do not think we should go and start this process all over again. But what really worried me about that particular design innovation was not so much the fact that they were using it to put rubbish, but that it could be a receptacle for breeding mosquitoes. The question of dengue fever and breeding of Aedes mosquitoes is still a big problem for high rise estates, and it has not disappeared. It is still there. People are careless, people are either ignorant or they just could not care less. But the Environment Ministry still has to go around putting pressure on town councils to keep chasing residents to make sure that they do not breed mosquitoes. And dengue fever is not a laughing matter. Every year, there are people who die from dengue fever and there are many others who suffer from dengue fever and get very ill. So I have told HDB that if they solve the problem, make sure that they do not create other problems. When people suggest these things, it may appear reasonable at first glance, but there are many other implications involved, which I think need to be thought through carefully before we implement. Finally, there was one last point he made about whether, in the special upgrading works, we are going to compensate them if an acquisition is involved. The answer categorically is no. The special upgrading works do not involve any acquisition. It is just a matter of lift upgrading or other types of works which would require selective groups of residents to vote. There is no question about Government acquiring the flats for any purpose. Mr Speaker, I think I have answered all the questions that have been raised. I thank the Members once again for their support.