In one case, Mr L, who I just saw yesterday, has had almost all his Ordinary Account transferred to his Retirement Account. He is currently left with $896 in his Ordinary Account. He has over $70,000 left in his housing loan and, unfortunately, he has just been diagnosed with Stage 4 cancer. He is struggling. In another recent case, Ms H's father just turned 55 and they were unaware that the Ordinary Account had been transferred to his Retirement Account until a letter came from HDB. He, of course, was deeply troubled by this. He approached HDB and was told that he needed CPF's approval to transfer money back from his Retirement Account to his Ordinary Account. Not entirely conversant in English, he found the process hard to comprehend and it went on for a period of time. That was not the end. After he made his appeal to the CPF, he was reassured that it would be taken care of very shortly. However, he received not one, but two reminders from HDB and, therefore, resulted in him being in months of arrears. Thankfully, the matter has been resolved, but these are just some of the many examples.