3k(own contribution) can waive for tax starting this year. so one of the option to reduce tax

I'm pulling because rate it 3.5%, not because of SVB 

Now you got your tail caught, it was a trap for you to quote what SA actually said.

clearly you pandai pandai added extra 1 day there
but you wont admit biasa lah 
u black oso can pusing till white who dont know?

stop  your pathological face palm addiction
stop that urge must comment on every product
ask GPT answers what for.
give real life 1st hand experience answer
not hearsay here and there reproduce here