Ok//@koolgal: There is a famous quote by Warren Buffettđđđđđđđđ"Someone is sitting in the shade today because someone planted a tree a long time ago.".I believe in planting my tree now by investing in $DBS GROUP HOLDINGS LTD(D05.SI)$ and look forward to sitting in the shade in 20 years time.I will hold DBS through good times and bad times as time in the market is more important than timing the market. Go Long Go Strong Go DBS! đđđđđđđđđđ°đ°đ°đđđ