Hi Mr Tan,
Thank you for providing such informative information on your blog. I really do appreciate your kindness with all my heart.
I wish I have such knowledge since the day I started working. It is not too late as usually but one is not able to turn back the clock on those lost time.
I just want to wish you and your loved ones a very Happy, Healthy and Wealthy Rat Year! All the best for the forthcoming new year!
V
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