Maybe like my neighbor that graduated from Australia university got money to keep many illegal dogs too and pretend to be animal lovers showing dog photos on Facebook when actually their dogs are locked up in small cages for long hours.I bet their social media accounts got photos of their traveling and eating at restaurants and branded handbags too. My goodness Rm4.7 billion loan owed are 100% default aka no repayment of loans at all by these highly educated Malaysians.