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  ______   __   __             _    _             
 /_____//  \ \\/ //     ___   | || | ||   ____    
 `____ `    \ ` //     /   || | || | ||  |    \\  
 /___//      | ||     | [] || | \\_/ ||  | [] ||  
 `__ `       |_||      \__ ||  \____//   |  __//  
 /_//        `-`'       -|_||   `---`    |_|`-`   
 `-`                     `-`             `-`

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Text this: A study on the in-house credit card programs in Metro Manila