[EvertonDiehard]

Relax lah.. need to to sound so defensive. Why do you consider me "jumping to conclusion" over a simple question about where and when were you born ? Speaking of being defensive - I am also okay with your Life View  that your prefer "feeling lonely inside my GCB than in a 1-room rental HDB flat.."  ..and nor it matters to me whether that  you believe in your "friends and colleagues" or you able to retire while sending your children to universities. - I am all happy for you. The point I am challenging you is your insistence about having "5C" while holding a presumptuous view that those who does NOT agree with your outlook as "not being honest" ...You already cited 80-20 figures of HDB-private data..Are you going to call those staying in HDB as less-than-honest people ???

Thanks for your clarification. I am not claiming that the 5Cs are a "must have", though I would say they are "good to have".  Of the 80% who stay in HDB flats, the majority would prefer to have joined HDB upgraders who managed to buy private residences. There is nothing wrong with the remainder who are satisfied with remaining in the heartlands and have no inclination to shift to private housing.