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

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Text this: AN ANALYSIS OF REVERSE MORTGAGES AS A SOURCE OF RETIREMENT INCOME FOR SINGAPOREANS