Thank you so much Leon for the detailed breakdown, really very useful. Paisei for my slow reply too, coz I thought my question was skipped past, so I didn't come back and check. And I only signed up for Renotalk to read your T-blog. I think you take a lot of things in a positive manner which makes all the good/bad things all sound SUPER GOOD even when you have included the negative facts anyway, and it makes your blog so fun to read. Really appreciate all your sharing and detailed comparisons. I've engaged Posh Home but there were some hiccups along the way, so everything is not moving as fast as I wanted initially but after some changes, I'm quite happy as of now. Hoping that things continue to work out. Looking forward to reading more of your posts and jia you!