Was it around 1999, they changed the policy, that when you sell your flat, whatever returned to CPF, you have to use the entire amount in OA to pay for the next flat. Later, you have to provide for RA etc...now, what? it is like the saying " go ahed, kostan"!? "back track & do IT AGAIN!"...DO IT TO THE STINKERPOREANS AGAIN. More election's feel good cumming....