Ever wonder why people don't understand the Pioneer Pkg after months of publicity. It's the same with our medical insurance policies, medisave, medishield, deductibles, eldershield.. Etc. it's become like a monster. We have the 'many hands' help approach to our social safety net. I am sure it's horribly complicated too. Next thing u know we end up like the US where even the former Defence Secretary admit defeat in filling up his tax returns!!