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people in these three industries are brain-washed to be spendthrift. Their team leads believe that the more indebted their sales team are, the harder they will work, eg. gals will be willing to open their legs to close sales.
Many cannot get jobs or lost jobs due to foreign talents so turn to sales of insurance, real estate or cards on the roadside/shopping malls/MRT stations.
Many locals love this freedom for their children so vote goes up to 70%