| http://www.w3.org/ns/prov#value | - ard's performance) and because the interest given by the Board is very low, unlike a real pension fund, members get almost no returns and sometimes negative returns on their money -- an 'implicit tax' as Mukul Asher described it.So, in the 3 big areas of our lives, namely our flat, our car and our salary, the PAP has found ways to take big chunks of our money.
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