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

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Text this: Time value of housing: the effect of lease decay on HDB resale prices