SG invented COE and ERP hor, and any invention is only as good as the way it is implemented or use in real life. The fact that these two (numerours others) have been accepted into a way of life, with practically everyone working their life off towards paying it, makes them the invention of the century. Till now, people are still thinking what sort of awards should be given to the innovators as these are simply too ground-breaking and any current prize or award are simply beneath them. Of course, we are the most intelligent, hands down.