To all who have written the above, I have undergone the Supex Mortgage Reduction Training and I bought my house basis the training which was provided to my by Mr.David Wong. He is a genius. You will only know more if u go thru the training. Just for your info. My sister took a Conv loan for 25 years and did the mortgage reduction thru Supex after 2 years, n she managed to save RM126K and shorten 10 Years of her Tenor....So if you people want to judge something, make sure u get your facts right before just bombarding the rest....And y BNM has not sued SUPEX till todate??? Hahahah Because David Wong is always right!!!