A dear chinese friend asked me this
'Why ha, Malay like to buy cheap insurance, they saving and invest so little ha??enough ha saving so little??what you guys do with money banyak-banyak?? When i go to see malay customer ha, orang banayk duit pun suruh i buat quotation murah."
"I dunno what they do with their money. Its their money, not mine..hahaha"
We laughed together. True story. Last night.