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

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Text this: PREPAYMENT RISK FOR HDB MORTGAGES IN SINGAPORE