Government's Plans in Our Continuing Fight Against COVID-19 Pandemic

Mr Deputy Speaker, Sir, the Fortitude Budget sets aside $33 billion more to help firms and households, and to save jobs. The COVID-19 pandemic has brought with it a health and economic crisis that has Singapore facing the worst recession since Independence. Our Government’s response has had no precedent – unstinting and rapid support to the tune of $93 billion thus far, resulting in the largest overall Budget deficit in our nation’s history.

Including this Budget, the Government will need to draw up to $52 billion dollars from its reserves. It is indeed a blessing that Singapore should possess such a reservoir of financial resources to see us through this crisis. Many countries around the world will be burdened, burdened in the years to come with record levels of debt from the huge fiscal stimulus programmes they have had to put in place to deal with the impact from COVID-19. So, we are more fortunate.

But, Sir, there is no question that Singapore was absolutely right to tap the reserves decisively in order to help businesses, tide Singaporeans through this crisis and mitigate permanent damage to our economy. However, we should also be concerned about fiscal sustainability, especially when the outlook remains uncertain and downside risks remain significant. There is a lot of talk about what would the shape of the recovery be, but many believe that recovery will be slow and long-drawn; it may take years before we return to pre-COVID-19 conditions.

Against this backdrop, I wonder how this massive draw on our reserves will be treated. What are the obligations to pay back? To do so, would be a huge task as the amount is more than 10 times our previous draw, when we used it to deal with the Global Financial Crisis. How will this influence our tax policy in the coming years, as we work to restore public finances in an equitable manner? Will we need to dig deeper, to implement more progressive income taxes and greater wealth taxes? Will tax systems need to evolve in tandem with the rising digital economy and capture revenue earned from online transactions?

With the economic outlook remaining highly uncertain and with risks predominantly skewed to the downside, we should be very cautious when we do further draws on our reserves. I support the call to set aside a sum of $13 billion in Contingencies Funds, but, I must urge the Government to do so with utmost prudence.

Mr Deputy Speaker, the COVID-19 pandemic has impacted businesses and workers unevenly. I urge Deputy Prime Minister Heng Swee Keat to adopt in the next phase, if he has to do something, a more targeted approach in future support schemes.

For example, the Jobs Support Scheme (JSS), payouts should only go to firms adversely impacted by the crisis. We should learn from Australia. In Australia, for their scheme, eligibility for wage support only kicks in if business turnover drops by 30% due to the pandemic; for larger companies with turnovers of over A$1 billion, their drop in turnover must be at least 50% before they can be eligible. It should not be right for firms to profit from the Government's support scheme during this crisis.

For some companies, whose bottom lines have been boosted because of JSS, they should be offered the opportunity to "pay it forward", in support of others who are less fortunate, perhaps through a "Solidarity Levy" of some sort.

Sir, this crisis will increase income inequality. Recent research at Oxford found that those earning under GBP20,000 are less able to perform work remotely, earn a smaller proportion of their previous salary and are twice as likely to lose their jobs compared to those earning GBP40,000 or more. We can draw similar parallels here in Singapore. It has been far easier for those employed by large companies and highly skilled sectors to work remotely, than for those employed by SMEs or in the retail and F&B sectors, as well as those engaged in low-paying contract work. So, we must find ways to buffer the hardship faced by these families. We should be prepared to support them with some basic level of income beyond the current provision of COVID-19 Support Grant, should their unemployment persist.

Mr Deputy Speaker, Sir, I support Deputy Prime Minister's call to think urgently about how Singapore can emerge stronger. We must prepare our workforce immediately for a post-COVID-19 environment, to adapt quickly to structural changes in the economy, changed consumer habits and new ways in which countries will compete and co-operate with one another.

I also applaud Deputy Prime Minister for his bold move to launch the SGUnited Jobs and Skills Package, creating 100,000 opportunities in jobs, traineeships and skills training to mitigate risks associated with unemployment.

The Deputy Prime Minister has promised to "protect every worker even if we cannot protect every job". But this commitment to protect every worker should not create a false sense of security or complacency. Instead, it should encourage individuals to leverage this safety net in order to position themselves for the longer term, by critically assessing their operating environment, learn new skills, try new jobs and seize on the many schemes available to ensure that they remain relevant.

The formation of National Jobs Council as well as the Emerging Stronger Task Force are great initiatives for developing strategies to pivot ourselves to the new jobs landscape. I am also impressed with the speed by which job initiatives are being rolled out – these include the 11,000 traineeships by 1,000 organisations who have come on board so far, so quite impressive.

Our ability to coordinate, navigate and implement Whole-of-Government initiatives is truly the competitive advantage that Singapore must play to.

Amidst the doom and gloom, it is reassuring to learn that Singapore has secured $13 billion of investment commitments in just four months of this year – amongst the highest in recent years. This is a testament of the confidence that investors and businesses have in Singapore and the hard work that MTI continues to put into selling "Singapore Inc". Indeed, as social, political and geopolitical instability continue to play out elsewhere in the world, Singapore is well positioned as the much-sought-after safe harbor for business, talent, intellectual property and investments.

Sir, COVID-19 has changed many long-held beliefs and opened up new perspectives. I think many of us believed that Singaporeans were not attracted to care-giving jobs, so we were always going to be heavily reliant on foreign nurses and care-giving professionals. However, our response to the pandemic shone a light on the meaningful work that healthcare professionals do and held them up as the heroes that they have always been. School children wrote "thank you" notes, Prime Ministers called them out and people clapped from their balconies the world over, out of gratitude for their sacrifice. The large number of temporary positions made available to deal with COVID-19 has also provided a window of opportunity for people to try their hand at this work. I must say I am so encouraged to witnessed an emerging interest amongst young people in joining the healthcare industry and shifting attitudes towards the care-giving profession. Sir, we should seize upon this window of opportunity to accelerate this trend and attract more Singaporeans to join the healthcare profession that offers great long-term career prospects.

Lastly, COVID-19 has taught us that large-scale remote working is indeed possible. With the help of technology, employers are quickly equipping their workers with the tools they need to work from home. I myself have been surprised at how much more productive I have been, working away from the office. Facebook has begun planning for workers to work permanently from home, whilst Google has extended its work-from-home policy for the remainder of 2020.

With working remotely accepted as the new normal, we should leverage this opportunity to supercharge Singapore's growth in the Infocomm Technology sector (ICT). Many tech firms complain that they have not been able to scale their business in Singapore given our limited talent pool. With the accelerated plan to build a strong pipeline of digital and technology skills locally as announced by Minister Iswaran yesterday, companies can also supplement the local talent pool with global expertise to scale the business by extending working from home beyond our national borders. So, extend that, work from home, but beyond the national borders. Singapore companies can tap AI, data analytics, cybersecurity resources from around the world to support Singapore's development work without these tech professionals having to relocate to Singapore. Our innovations in organising work and how work should be done, can fuel our ambition to be Global-Asia node of technology, innovation and enterprise.

I urge the Emerging Stronger Task Force Committee to scrutinise these and other trends emerging from this COVID-19 pandemic, so that it may inform their recommendations to prepare Singaporeans for a post-COVID era. Winston Churchill is credited with first saying, "Never let a good crisis go to waste". Singapore has certainly invested a good deal in this crisis, it is time to learn the lessons, turn challenges into opportunities and reap the rewards for a stronger, brighter tomorrow. I support the Budget.

Sir, I join many Singaporeans in thanking the Government for the Unity, Resilience, Solidarity and Fortitude Budgets. The support measures introduced will help ensure that we can all get through this pandemic and most importantly, get through it together.

I am thankful that the concerns of those on unpaid leave or reduced salaries have been addressed through expanding the COVID-19 Support Grant to help this group of Singaporeans. I am thankful we are proposing to help the SMEs with further rental waivers and allow tenants to repay their arrears through installments. I am also thankful for all the hard work by MOM, all the other Government agencies and the NGOs who have worked tirelessly to help our migrant friends. Our migrant friends have worked hard to build, clean and maintain Singapore as the shining red dot we are today. I am glad we have not left them behind and have committed to improving their living conditions. I raised all these concerns in my previous speeches and I am thankful to everyone who has taken the time to share your concerns, feedback and suggestions with me. Thank you for speaking up.

Sir, we have given a lot but as I raised in my previous speeches, there is one more thing we need to give out. We can and we need to give time. Time for working parents to spend with and look after their young children during this difficult period.

During this pandemic, many parents are feeling the stress of trying to balance work and looking after their children, especially helping their young ones with home-based learning (HBL). As Zack, a parent, shared with me, "Imagine working from 9.00 am to 6.00 pm. Reached home about 7.00 pm. Have dinner until 7.30 pm. And only having this time, 7.30 pm to 9.00 pm, to check on the kids' HBL. Kids must sleep at 9.00 pm to ensure nine hours of healthy sleep. Super tiring. Yet, we endured for the sake of our children".

Many parents are especially worried about how they will cope with alternating weeks of HBL for non-graduating students. It will be difficult for parents who are unable to work from home. Who will look after their children? Not everyone has grandparents who can help and even for those who do, they might not be able to help during this period.

Another parent shared with me, "I have two Primary school going kids. Primary 1, Primary 2. Who is available to guide them on HBL days during Phase One? Grandparents aren’t computer literate. If there isn’t any HBL plus Google meet plus video call, I will choose to deposit them at my parents house easily. If I have to take annual leave to guide their HBL, employer won’t allow."

I know Minister Ong has stated, "Schools will be prepared to extend limited care to young students on HBL but without childcare arrangements".

It will also be difficult for parents who can work from home. They are expected to meet their bosses' deadline and to be equally productive, even as they try to give their young ones attention and guide them on HBL. Do they please their employers or the children?

I know firsthand how difficult it is. For the past two months, I worked from home with three little ones who had HBL. Ella is now six years old and Katie and Poppy are three years old. You cannot leave them to do HBL on their own. It is impossible.

They have also attended many of my Zoom work meetings, climbed on my shoulders when I am clearing emails, and pulled my hands and legs, wanting me to play with them when I am drafting speeches. This happened when I was drafting this speech last Saturday.

Parents truly appreciate this opportunity to work from home. As Zyen, another parent, shared, “WFH with an infant is really no joke. Always have to work till midnight to complete the work. But I do, really cherish and appreciate. I‘ve been there when she flipped, sat up by herself and now standing with support. Gonna miss this bittersweet timing”.

Sir, more than anything, parents feel guilty that we cannot give our children the attention they need even though they are right there in front of us. I am not the only one with kids climbing on my shoulders. Amelia shared that, “My son climbs onto my shoulders while I work, too. I feel guilty for being impatient with my daughter who asks questions or wants to share something with me while I’m rushing my work”.

I know there is no easy solution, especially during these difficult times. I know employers are equally stressed. But we need to give parents some breathing space and help them balance both work and family commitments. It is good that the Government has asked employers to be more empathetic to the challenges working parents face but we need to do more than that.

We cannot leave this important issue to the discretion of the employer. The Government needs to step in to help and to mandate like how we have done so in so many areas in tackling this pandemic.

We need to remember the issue does not just stem from alternating weeks of HBL. What about parents whose children are required to stay home because they are exhibiting COVID-like symptoms? Many pre-schools rightly ask a child to go home if he or she shows a single symptom. But a lot of parents are affected because of this.

An educator in a childcare centre shared with me that, “On the ground, parents tend to negotiate with teachers if teachers were to reject children from entering schools due to respiratory symptoms with reasons that they are unable to get leave from work or no one to take care of their children”. Some parents, “would suggest to teachers to keep children at the sick bay the entire day until the parents end work”.

Let us not forget that there are also school closures due to positive COVID-19 cases, Leave of Absence or Stay-Home Notices.

As I have previously stressed, our current childcare leave entitlement is already insufficient during a regular year. Now, in the most irregular year, how can parents possibly have sufficient childcare leave?

The only option left for many parents is unpaid leave. Indeed, many parents have shared that they are doing just that. But in this business climate, parents fear losing their jobs if they continue to take unpaid leave.

To help parents, I hope we can introduce a Government-paid COVID-19-related childcare leave for parents whose children need to stay home due to COVID-19-related issues. By calling for it to be Government-paid, this would ease the financial burden for employers, whom I know are equally stressed.

Sir, this leave is critical for those who are unable to work from home. This includes parents working in essential services who perform a duty for our nation, who keep us safe. We need to make sure that they are looked after, too.

For parents who are working from home, this COVID-19-related childcare leave can help take off the pressures of balancing competing work and childcare responsibilities. They can take this leave when needed, such as helping their child catch up with HBL and their school work.

Sir, we will not be the first country to provide a COVID-19-related childcare leave. Other countries have already taken steps to help working parents facing childcare challenges as a result of this pandemic.

In the US, the Families First Coronavirus Response Act expands paid leave options for working parents who are unable to find childcare arrangements, entitling them up to 12 weeks of partially paid family leave. This includes parents working from home. Businesses whose employees take this leave pay for it through a refundable tax credit administered by the Department of Treasury.

In Canada, working parents are entitled to job-protected leave of absence for up to 16 weeks under federal law, allowing parents to attend to childcare and eldercare needs while protecting them from being fired or penalised.

In Italy, the government extended annual parental leave by 15 days for parents with children aged up to 12 years.

In Belgium, the government introduced a special parental leave for parents of children under the age of 12 where parents can take leave in the form of 1/2 or 1/5 reduction of working time. This means working half time or one day off a week, taken in any combination of weekly or monthly blocks.

Other countries have adopted a variety of measures – tax credits, protection against discriminatory firing, increase in annual leave and flexible leave. I believe some combination of these solutions would provide our working parents the support they so desperately need.

Sir, in conclusion, we cannot leave it to employers and employees to work out amicable arrangements to balance business needs with childcare needs in this difficult time. In this difficult time, the Government has to step in. We should; other countries have already done so.

I hope the Government will consider introducing a Government-paid COVID-19-related childcare leave and provide it at least until the end of Phase Two of the re-opening after the circuit breaker. Many parents are calling for this and I hope the Government will support them.

“Spend time with those you love, one of these days you will either say I wish I had or I’m glad I did.”

Let us give our working parents the time they need to spend with their children during this pandemic and let us all value the precious time we have with our loved ones. Sir, I support the Budget. Together, we will beat this virus.

Mr Deputy Speaker, before I start, I would like to thank Deputy Prime Minister Heng and his team at MOF for their hard work in devising a fourth Budget within a space of four months. I also appreciate the sensitive consideration of naming each Budget such that we are emotionally connected to them.

"Fortitude" is an excellent name for this Budget as we dig deep into courage to face the painful effects of an unfolding economic crisis. The pain is widespread. Many have reached out to me with their stories. Witnessing this suffering has compelled me to file cuts tomorrow, so that the issues faced by struggling groups are raised to this House. Public rental households are one such group.

The number of households who have suffered complete loss of income since the beginning of April has risen sharply. Average income levels have gone into freefall. On the ground, community organisations have observed that households face mounting debt, including rent arrears. MND shared that “about 5,200 public rental households, or about 10% of all public rental households, are in rent arrears”. Around one in four such households owes more than $3,000 in rent.

As the economic impact of COVID-19 worsens, we can expect that more households residing in rental flats will struggle to pay rent. The Deputy Prime Minister said in his Ministerial Statement last week, "Our path forward will be tough, but we will journey together". So, I would like to ask the Deputy Prime Minister if he could consider waiving six months’ rent for all households residing in rental flats, except for those whose rent is already covered under financial assistance from ComCare. This will provide immediate and targeted relief that goes directly to the low-income households in need.

For context, the Government is extending $334 million in rental relief for Government tenants in this Budget. A further $2 billion will offset SMEs’ rental costs.. A similar waiver for rental flat households would cost between $16 million and $57 million, based on my rough calculation.

Mr Deputy Speaker, while acute pain is undeniable and deeply felt by both citizens and migrant workers, future shocks could be more frequent and unprecedented. The World Economic Forum has called turbulence “the new normal” in its latest Global Risks Report. I will focus on the long term in this speech.

The hard work of Singaporeans and Singapore companies, as well as prudent financial management of our Reserves, has allowed us to save up for this rainy day. It is only fiscally responsible for us to ensure that we spend the monies to build a stronger foundation for this new turbulent normal. This demands that we push boundaries and reimagine a social and economic structure that is more responsive, flexible and interconnected.

Mr Deputy Speaker, let me first outline why a re-imagination and deep transformation is the only prudent way forward. I will then discuss the considerations in our current spending and planning processes that can set us on the path towards this stronger, more sustainable and more inclusive future.

Deputy Prime Minister Heng mentioned that this Budget’s focus is to “enable our businesses and workers to adapt, transform and seize new opportunities”. Indeed, but even more so, our society and economy need a deep transformation.

The COVID-19 crisis has shown us unequivocally that human health is intrinsically linked to planetary health. Our increasing urbanisation and disruption of ecological balances increase our risks of exposure to pathogens. Last year, the Clinicians for Planetary Health initiative was launched. It committed to increase awareness of the severe public health impacts of environmental change. Therefore, it is safe to say that to safeguard our economic future, the balance of resources across people, planet and profit needs to be re-examined.

First, we can no longer look at our risk response in silo. Risks are multi-dimensional and cross-cutting, and must be addressed as such. Our healthcare system had integrated and implemented the playbook from SARS well – only 3.1% of our infections had been healthcare workers so far, compared to 41% for SARS. Yet, systemic gaps in worker welfare, specifically for migrant workers, left us unprepared for the infection levels in the dormitories. The risk assessment framework should have included the adequacy of safeguards for worker health. This would have required MOH and MOM to work together.

Second, existing societal inequities create disproportionate stresses on vulnerable communities. My previous speeches provided several examples of persons with mental health conditions, lower income households and migrant workers being disproportionately affected in terms of income loss and economic and psychological resilience. The digital divide amongst lower income families, the differently-abled and the elderly became more evident. All these could deepen social and community fault lines.

What does all this mean in terms of transformation? What society should we envision for ourselves?

I call for Singapore to move towards multi-stakeholderism. Governance-wise, this means a policy design process centred around and in collaboration with the actors with a “stake” in the outcome. Business-wise, it means considering workers, suppliers and customers equally.

Such considerations are not new. The World Economic Forum was established in 1971 to further the idea that business should serve all stakeholders. A hundred and eighty one CEOs of the Business Roundtable signed a statement last year, committing “to lead their companies for the benefit of all stakeholders – customers, employees, suppliers, communities and shareholders.”

Investors also value businesses that take care of its stakeholders. Workers are a major stakeholder. In April 2020, the International Corporate Governance Network (ICGN) led by investors responsible for assets of $54 trillion called for companies to “prioritise employee safety and welfare” and “take a holistic and equitable approach to capital allocation decisions, considering the workforce”. Deputy Prime Minister Heng alluded to similar sentiments in parts of his speech.

The Government’s strategy to help Singaporeans ride through this crisis is by safeguarding jobs and income, which it is doing by supporting businesses. Across all four Budgets, around $28 billion has gone towards supporting immediate cash flow needs and overheads. This is about a third of the total Budget to date. The Government has also provided support through enabling credit access and matching investments for start-ups.

Mr Deputy Speaker, I support the intention to protect jobs and income to strengthen the economic position of our individuals and households. Reducing inequality would also increase resilience across our society, especially in times of hardship, so that economic buffers and important resources do not become accessible only to the privileged few.

Therefore, we must enact measures to protect individuals against employers who may be more interested in self-enrichment than in their workers’ rice bowls. Possible measures are curbs on layoffs, excessive executive compensation, and excessive use of share options in compensation structures that disproportionately align managers only to shareholders’ interests.

Government bailouts and support may reduce shareholders’ risk-bearing responsibilities. Safeguards against moral hazard can include: reducing dividends, restricting stock buybacks and requiring that any M&A activity should seek to pay back the support provided, that is, a clawback.

Measuring and reporting should be used to hold companies accountable for how they have used Government grants, therefore taxpayers’ monies. An example is the independent accountability and transparency board created by the Obama administration in 2009. It performed a crucial monitoring function by requiring any entity receiving contracts, grants, or loans to file quarterly reports.

We could adopt a similar mechanism to ensure that companies channel Government support to those for whom it is intended. Corporate reporting requirements could compel companies to demonstrate behaviours that meet broader societal and sustainability goals.

We must also use the support packages as carrots for companies to actively enhance social equity by integrating community engagement and social responsibility into business strategy, so each can be a Company of Good – a national effort I believe Deputy Prime Minister is very familiar with. This could include an obligation to judiciously use the Business and IPC Partnership Scheme or BIPs, to make in-kind donations to charities.

Lastly, promoting sustainable business models will be key to building a better and safer future. McKinsey noted in April that “not only does climate action remain critical over the next decade, but investments in climate-resilient infrastructure and the transition to a lower carbon future can drive significant near-term job creation while increasing economic and environmental resiliency.” The President of the German Parliament recently called for the stimulus plan to focus on “climate policy, digitisation and innovation”.

Subsidies and support to companies accelerating climate change should come with conditions for absolute emissions reductions that enable us to accelerate our Paris Agreement commitments. As countries grapple with what a green and healthy recovery looks like, measurement and accountability may again be instrumental for change. The Task Force of Climate-related Financial Disclosures framework should be the norm. Science-based targets should form the basis of discussions on business transformations.

Such requirements could be considered by the Monetary Authority of Singapore as a cornerstone of future environment risk management guidelines for our financial industry.

These safeguards will require strong political will, Mr Deputy Speaker, because they will meet with resistance. But if we want a flexible and responsive society that is able to absorb shocks and rebound from them, I believe we must recalibrate current power structures for a fairer economy that considers key stakeholders in our economic system equally. I hope Deputy Prime Minister addresses this need for safeguards and conditions in his response.

The Government is demonstrating its commitment to longer term planning through the Emerging Stronger Task Force and the Future Economy Council. I applaud the intention. However, if we are to recognise a wide range of stakeholders in our future and commit to re-imagining the way forward, changes must be made.

I am glad to hear Deputy Prime Minister note that the Task Force will partner with SME owners, industry experts and trade associations as part of Emerging Stronger and his invitation for Singaporeans to participate. I would like to ask Deputy Prime Minister if there are plans to formalise this partnership and citizen participation under this Task Force. This is necessary to integrate meaningful and transparent input from all corners of society.

The current members of the Task Force represent industries that we have traditionally treated as pillars of our current economic structure, the composition does not represent the true diversity of economic players in Singapore. For example, I am surprised by the omission of SME, minority, even disability and mental health representation. Companies committed to delivering a sustainable future are also unrepresented, under-represented. So are women. I believe that if we sideline these views now, we are sabotaging our own futures and those of our children’s. Can I please ask the Deputy Prime Minister to ensure a more diverse and better representation on this Task Force to secure a truly resilient and united future for Singapore?

Unity, resilience, solidarity, fortitude. The names of the four extraordinary Budgets this year speak to our desire as a nation to overcome this crisis together and stronger. Mr Deputy Speaker, I believe that emerging stronger means placing our people front and centre of our plans for the future. Our economic structures must be realigned to put people first so that we build back better as a well-being economy post-COVID. It will take our collective imagination, courage and collaboration to walk through this crisis and emerge stronger, together. Let us start the work for that to happen today with fortitude. I support the Budget.

Mr Deputy Speaker, I welcome the $33 billion Fortitude Budget which will be used to counter the heavy impact of the coronavirus pandemic on our country. All governments around the world are taking unprecedented measures to mitigate the damaging impact of this outbreak and save the lives and livelihoods of their people. We are similar. Fortunately, past prudence has provided us with adequate emergency funds.

We are in the midst of a brutal war, the pandemic has claimed over 370,000 lives in the world within a few months. Fortunately, we have managed to keep most of our people here safe and the death rate low. This is a challenging war against the virus. It is different from other outbreaks that we have come across so far. To my understanding, it is infectious even a person has not developed any symptoms. Asymptomatic infections have made this task of overcoming it even more challenging and difficult.

Notwithstanding, we have to soldier on under these very trying circumstances, be resilient, stay united and help one another to overcome the obstacles ahead of us. We Singaporeans need to stay focused on a sustainable approach. By and large, we understand there is a limit to the handouts we can if we do not find sustainable income that provide long term and permanent social and family safety nets. Sir, in Mandarin.

(In Mandarin): [Please refer to Vernacular Speech.] I am heartened by the effort to save and create jobs. I hope that more jobs can be created for the middle and senior age groups, particularly quality jobs. I am heartened by the response of our residents to the job offers, their willingness and courage in picking up new skills and adapting. I am glad that the Government has been focused on helping Singaporeans to both upskill and become equipped with new skills, to stay competitive and relevant in response to the market changes. There is a Chinese saying “When rowing a boat upstream, if one does not move forward, the boat will go backwards downstream”. Our people must persist in their efforts forward so that we can secure our place in the world.

More assistance will still need to be given to help Singaporeans, as the recovery of the world economy may not be so fast. For those who were retrenched last year and earlier, and had not been able to find jobs, they need help with job matching and retraining. This is especially for those aged above 40. In addition, some have expressed concerns that even with training, it does not necessarily lead to a job.

While the COVID-19 Support Grant (CSG) and Self-Employed Persons Income Relief Scheme (SIRS) provide welcomed relief, more salary or wage support can be given to help ease Singaporeans to upskill or reskill without having to worry about maintaining the family. I would like to suggest that we look at income matching, for example, a dollar to every two dollars earned for the 6 to 12 months, subject to a cap and overall scheme support budget of $9,000 per person under SIRS. This may be more sustainable.

Singaporeans should also adapt to tap upon technology and target not just Singapore, but the world as their market. Recently, a Singaporean actor took on a side job selling seafood for his friends on the Internet. To everyone’s surprise, including himself, he became an Internet celebrity, and companies and talent agencies from China rushed to contact him as their partner, asking him to promote all kinds of goods on the Internet. This is a very popular way of selling goods in China’s huge market today. While some of his language may be too colourful, his adaptability had created new opportunities for him. He can look forward to a very interesting new career. In Singapore, the Government has already started helping stallholders sell online and do live-streaming sales. Let us hope more business owners will try to change their operating models.

There has been feedback that there are still many who have been struggling with their businesses and who have been making sacrifices for the circuit breaker to the extent that they have been lending to their companies with their pay to support cashflow. Some have appealed for the Job Support Scheme (JSS) for working directors who are also shareholders. Instead of limiting the JSS to those who earn below $100,000 a year, why not remove this income cap? After all, the JSS is capped at 75% of $4,650.

Some are concerned that their businesses may not pick up after the reopening of our economy and thus will continue to face financial difficulty. It is important to them that all their clients order can be resumed. Otherwise, such business cannot hang on much longer. Even with the salary support from the Government, many businesses cannot afford to pay the balance 25% because they have zero revenue.

While we need to prioritise safety, and indeed, being a highly interconnected hub, we can only be safe if the world is also safe, however, we cannot be closed off from the world. It will do more harm than good to “de-globalise”.

We have to be proactive, not passive, to overcome this challenge. In order to survive, we cannot afford to sit back and keep drawing upon our past reserves and assets.

For example, we could consider staycations now that our community infection rate has been controlled. We should also start thinking how we could have effective and efficient test kits to check on all inbound travellers and returnees to prevent imported cases while revitalising the aviation, tourism and MICE sectors.

Most importantly, those who have the ability should help the have-nots. Because everyone is important and we care for all. Finally, let me conclude with a limerick.

January: Complain about having to start work again

February: Panic buying of paper products

March: Causeway closed

April: Everyone stayed home

May: Resumption of work we hope

June: Worry about savings being depleted

July: Pray all will go smoothly

August: Celebrate victory

With this, I would like to conclude with my support for this Budget. Thank you.

Mr Deputy Speaker, Sir, the COVID-19 pandemic has brought huge disruptions to global businesses and lives of people from virtually every country in the world. We are in arguably one of the most uncertain times in the history of mankind. No single government has been able to claim from the start they know how to navigate through the challenges posed by COVID-19 and the consequences it has brought to countries, cities, societies and economies.

Our Government of 55 years since our Independence is no exception. To that, we have an unprecedented four Budgets in a short period of less than four months.

Like everywhere else, the disruptions brought on by COVID-19 have unsettled businesses, lives and governments. This is a sign of things to come in the world, where no government can claim that their past experience will provide useful relevance for the uncertain future. In this brave new world, many heads with different ideas working out consensual solutions for the common good must be preferred.

I will start on the issue of support for businesses.

In the past two months, under the circuit breaker period, businesses have received support under the Jobs Support Scheme (JSS), limited to 75% or up to $4,600 of every salary. Under this Fortitude Budget, for the months ahead, only selected industries such as listed in Tiers 1 and 2 of the JSS will continue to receive wage supplements of up to 75% of each worker's salary. For most businesses, they will only be receiving up to 25% of the first $4,600 of every worker's salary for the remaining payments under the JSS, and this Fortitude Budget will only bring one additional month's payment, limited to 25% of an employee's salary.

As most businesses stop receiving the 75% wage support coming out from the circuit breaker period, we may start to see a more accurate picture of businesses suffering and insolvency figures for companies rising later this year.

The Government has announced that it will provide a cash grant to offset rental costs of SME tenants and also pass a new law to ensure landlords pass on rental support from the Government. This will be welcomed as a small temporary relief of 0.64 of a month's rental for office and industrial properties and 0.8 of a month's rental for commercial properties. Unfortunately, to businesses who cannot open or operate or even for businesses who face a significant drop in their businesses at this time, it may not stave off business and cost pressures in a significant way. In effect, it will be too small an amount to save ailing businesses.

Perhaps the assistance by way of JSS and rental support could have been more targeted and not applied to businesses who may not be affected, for example, supermarkets or certain businesses in healthcare, pharmaceutical or IT sectors, just to name a few. In this way, more will be available to the businesses who need them. We should not rely on unaffected businesses to voluntarily return their payouts.

The announced support in the Fortitude Budget for digital transformation whether for purpose of boosting e-payments or the digital resilience bonus may help to promote e-payments and to allow safe management practices in COVID-19 settings. While they may assist with business continuity under unique COVID-19 operating conditions, these schemes may be less helpful in generating business or revenue in themselves.

The financing support for promising start-ups under the Fortitude Budget may help some new start-ups but are probably irrelevant to the bulk of our existing SME businesses.

Beyond the above-mentioned schemes, beyond the foreign work levy waivers and rebates announced in this Fortitude Budget, beyond the assistance from credit loans announced in previous budgets, I am concerned that many SME businesses will still require more assistance if we are to expect them to survive. What are the Government's plans to support them to tide through the months or year ahead beyond what has been announced under the Fortitude Budget?

Has the Government factored in any actual draft plans in arriving at the additional $13 billion Contingencies Funds asked for in this Fortitude Budget and if so, whether it can now share such plans with Singaporeans too?

I next move on to the challenges during the circuit breaker and the issue of letting businesses open up with less restrictions.

The circuit breaker has not been an easy period for many businesses and individuals. Some businesses are baffled why similar businesses did not always result in the same exemptions or the same manpower allocation ratios. Instructions have changed over the weeks for some businesses ranging from meal arrangements for hawkers to types of businesses allowed to be opened or types of merchandise allowed to be sold.

In the first few weeks of the circuit breaker, provision shops and minimarts in different Hougang precincts were given different directions. Some were told they were only allowed to sell food. Some were told that they were not allowed to sell mops, brooms, brushes, pails, cleaning liquids, even slippers and limited stationery. Some were allowed to sell with no restrictions. Operators were baffled as some of these items have been sold in NTUC FairPrice without restrictions. Thankfully, after the Hougang Member of Parliament sought clarifications, the authorities reached out and rectified the instructions given.

In the circuit breaker period, most businesses were required to stop operating in their premises and most employees could not work in their working premises and had to stay at home. Those who could still do some or all of their work at home were the lucky few ones as for many jobs and many businesses, telecommuting is either not an option at all or not an adequate option for a variety of reasons. Many businesses have been looking forward to the resumption of operations in their premises. Yet, it has been somewhat confusing and uncertain for many business owners whose businesses were supposedly cleared for resumption.

Minister Chan Chun Sing was reported in the media on 19 May to have said as follows, "Only those who require the use of machinery and specialised terminals or need to complete legal documentation will be able to return to their workplaces. Workers who need infrequent access to the workplace for information or materials can already do so on an existing time-based exemption... The rest of the workers will continue to work from home. This will allow more than three-quarters of our economy to resume their normal operations."

These caveats are a challenge to viable resumption for many businesses. To continue with telecommuting per se may not be a viable option for many as telecommuting may suit certain positions but not others, and viable work that is required to be carried out in the office and unsuitability for telecommuting goes beyond the over-simplified description of merely requiring "the use of machinery and specialised terminals or need to complete legal documentation", especially bearing in mind many businesses will as I have highlighted earlier see their wage support under the JSS reduced to 25% from June onwards.

Productivity is another area of concern. The Government can be less prescriptive in this area, including any current limitation in the number of workers allowed in the workplace. Let businesses take ownership in managing telecommuting and the extent of telecommuting as appropriate for each individual business and their bottom line. Where any of these employees are required to be in the office or for workers where telecommuting has limited application, the Government can leave the onus on businesses to carry out prescribed safe workplace practices, including having appropriate social distancing and safe seating arrangements, use of SafeEntry, keeping records of staff and visitors to premises, including temperature records and good cleaning practices.

Let businesses focus on recovery with more breathing space. I am sure that most businesses will understand that their business operations are subject to closure due to failure in social distancing and safe workplace arrangements or in the event of an actual infection and most will take the necessary protective steps accordingly.

Mr Deputy Speaker, Sir, next, I would like to seek an update from the Minister for Manpower in the number of foreign workers who are still currently not allowed to leave their dormitories to go to work. Further, is the Minister able to give a projected estimation of the number of these workers who will be released back to work in each of the next two to three months?

I am asking these questions because pending a review of our labour policies in the near future – perhaps after the COVID-19 crisis, particularly on our current unhealthy level of reliance on cheap foreign labour and also the way we house them, in the meantime, we need these workers to be back helping to restart our economy and also at the end of the day, the workers do not ordinarily live and work outside of Singapore and they are part of our community.

I am also asking these questions because it touches on how confident the Government is in bringing down infection in the foreign worker dormitories to zero.

Next, I want to touch on safe connectivity with the world. Last Friday, the Government announced plans to launch "fast lane" arrangement with COVID-19 measures for essential business, official air travel between Singapore and China in early June, starting with six Chinese cities. Prior to that, the Government had also announced that there will be talks to reopen borders with New Zealand.

Quite understandably, we cannot stay unconnected for too long and the opening up of air travel and connection with these and, indeed, other countries will be beneficial to our businesses and economy.

On the other hand, we have had recent experience of significant COVID-19 infections brought about by arriving passengers from abroad, first with the Wuhan tourists in January bringing the first recorded cases and transmissions to Singapore and then later on with some of those returning to Singapore or visitors from abroad around the period of March and April.

For the Government's plans to open up air travel in the coming months even with selected countries and pending the eventual introduction of a vaccine for COVID-19, I hope that all necessary measures will be taken to ensure that the reopening will not lead to a resurgence of imported COVID-19 cases.

It has been reported that passengers will not be required to serve the 14-days quarantine period and they will be required to undertake swab tests before boarding and after arrival in Singapore. If swab tests are required before boarding a flight to Singapore, how do we ensure all overseas swab test results provided are reliable? For swab tests done on arrival, how will the Government ensure that pending the outcome of the testing, there will not be any risk to any persons with whom the passengers come into contact at the airport, at their selected accommodation and also while being transported to their accommodation? Are there any restrictions on their accommodation for this initial period?

Next, on safe travel on public transport. Minister Khaw Boon Wan announced on Monday that rail and bus services will return to pre-circuit breaker levels but indicated that safe social distancing may not be possible. This is disconcerting. Besides being a potential Achilles' heel in our fight against COVID-19, it is inconsistent with social distancing efforts that were carried out previously on trains during the circuit breaker. It is also inconsistent with the stringent enforcement efforts adopted in many other situations with regards to social distancing, for which many people have been fined or given warnings for breaches and the rationale for such enforcement.

Finally, President Halimah Yacob was reported to have stated her support for this Fortitude Budget. I wonder whether the President, in arriving at her conclusion to support the draw of $31 billion from our reserves as well as the previous draws from reserves under the previous Budgets, had already been advised of the total amount of reserves Singapore has and had taken this into consideration. Mr Deputy Speaker, Sir, in Mandarin.

(In Mandarin): [Please refer to Vernacular Speech.] Mr Deputy Speaker, we may start to see the number of business failures going up in the next few months, leading to more job losses. After May, most businesses will receive 25% wage support and the Fortitude Budget will only increase support by one more month of such wage support. I would like to ask the Minister to extend more support to our SME businesses especially those who are struggling.

I also hope that the Government will extend more flexibility to businesses who are cleared to resume business on their premises, to manage their businesses as they see fit as long as they comply with safe distancing and other safe workplace practices as required by the Government.

As for the Government’s plans to resume airlinks with China and New Zealand, it is important to resume connection for the benefit of our economy. However, I hope the Government will take all necessary measures to ensure that we will avoid another wave of foreign imported COVID-19 infections.

As more rail and bus services are resumed in phase 1, 2 and 3, I also hope that the Government take all necessary measures for safe travel and social distancing especially during peak hours. The relaxation of social distancing in our trains since Tuesday is a huge concern. Lack of social distancing on public transport is inconsistent with the authorities’ stringent enforcement efforts in social distancing elsewhere, not to mention a potential Achilles heel in our fight against COVID-19.

Finally, President Halimah Yacob was reported to have stated her support for this Fortitude Budget. I wonder whether the President, in arriving at her conclusion to support the draw of $31 billion from our reserves as well as the previous draws from reserves under the Solidarity and Resilience Budgets, had already been advised of the total amount of reserves Singapore has and had taken this into consideration.

Mr Speaker, Sir, across the world, governments, healthcare systems, companies, societies and families have been severely tested by a microscopic virus. We will continue to be tested. We will need to meet these tests as one united people, united by our love for our country and one another

Looking back, for me, the past two months have been extraordinary, working with Party colleagues and volunteers to provide support to residents remotely, adapting corporate processes to work from home and making adjustments to family life with my two young children, aged 12 and 14, going through home-based learning.

Now, our attention turns to the process of recovery. It is appropriate that an Emerging Stronger Task Force has been formed. I agree with the remarks made by my Party Chairman Ms Sylvia Lim on the composition and work of that task force.

As a society, it is our collective responsibility to reflect, draw the right lessons and emerge stronger. After all, the world went through the cataclysm of the Spanish flu in 1918 but many lessons about preventing and controlling pandemics were not permanently and widely institutionalised after that trauma.

We have a choice. Will we emerge stronger? What can we learn from this episode for this post-circuit breaker period and the post-COVID-19 future that Singapore will emerge into?

I would like to speak about two areas – overall pandemic management and the economy.

At the start of the pandemic, the Government quickly formed a whole-of-Government task force and issued regular communications. The challenge facing this task force was gargantuan. Our knowledge of COVID-19 was imperfect and evolving. There were many moving parts. In hindsight, though, many Singaporeans, looking back on the rules and announcements issued since early April, would say that there were too many finely calibrated rules. These were often qualified or changed shortly after being announced and this led to confusion on the ground. Let me cite a few examples.

On 21 April, when the tighter circuit breaker measures were announced, the press release said outlet-based confectionery operations had to be suspended from 2359 hours on 21 April, but those selling mainly bread could continue. What followed was some confusion as those selling mainly cakes try to find out what they could do. It was clarified that they could sell their inventory of cakes but not bake new ones. Some bakeries, such as one making mainly croissants, had to clarify how the rules apply to them.

Car workshops were another example. Initially, when the circuit breaker was announced, motor workshops were told they could apply to stay open but only for emergency services. A Straits Times' report from 7 April said that motor workshop operators were confused initially by the phrase "emergency vehicle services" found in the GoBusiness COVID-19 site. Do they mean emergency vehicles like ambulances or do they mean emergency services for vehicles, one asked.

Another example, in late April it was announced that exercising and dog walking were not permitted within the common areas of condominiums. One letter writer to TODAY on the 30 April mentioned that "to access public spaces, dogs would have to traverse the common condominium grounds thus rendering the rule moot in practice." Such a rule may also have had the effect of condominium dog owners then crowding in adjacent pathways by the road, HDB or landed common areas or parks.

The intent behind these finely calibrated and frequently revised rules was good. But in hindsight, could the technocratic zeal have been tempered by an appreciation that the capacity of society to adapt to so many frequently changing rules is not unlimited, while the capacity of any civil service to issue so many detailed and finely calibrated rules in a very short time is limited.

Too frequent and unclear rules can lead to rules fatigue and cynicism towards rule compliance. Moreover, would it not have been more efficient for the exceptions and caveats to rules to have been announced at the same time as the rule. And could some rules that micro-manage what are permissible activities have been avoided in favour of making facility owners responsible for safe distancing, masking and so on?

Sir, my colleague Mr Dennis Tan has also made some suggestions on the roll-out of Phase One, with which I agree. I would add one point. The Government's approach to Phase One and beyond hinges on demarcating companies into either an essential or non-essential category for each phase. So, for example, in Phase One most retail, cinemas, bars, restaurants, event-based activities and tuition centres remain shut. This is in spite of the fact that crowds and lack of safe distancing have been anecdotally observed in a number of supermarket outlets and shopping malls under current rules, and that safe distancing is no longer mandatory on public transport.

We need to find the right balance between protecting livelihoods and protecting lives. Has the Government considered an alternative approach which is to calibrate this a little less finely and with a broader brush. This means allowing most establishments to open may be with the exception of those which pose the most extreme risk. But every establishment would be tasked to practise safe distancing, masking and other precautions. This would mean that some establishments would, perhaps, not be able to optimise capacity to economically viable levels. But should we not that choice to business owners? Some business owners may prefer to restart with reduced capacity so as to generate some cashflow, refresh connections with customers, start to rotate staff back to work for the sake of morale and skills refreshing and so on. For those industries where the risk is greater, these should be targeted for more enforcement and regular preventive COVID-19 testing.

In fact, the administration of rapid testing and swift isolation in a surgical manner, as opposed to only very severe lockdowns, has been seen as a key to Korea's success, which brings me to my next point on testing.

Sir, our current main form of testing appears to be the reverse transcription polymerase chain reaction or RTPCR test. Some challenges of scaling up the current PCR test are that testing takes about three hours for results to be obtained. Laboratory staff operating the extractors must also wear personal protective equipment or PPE and most countries looking to exit lockdown have similar mass testing strategies – increasing demand for the same reagents and PPE.

MOH has said that coronavirus test were conducted by 13 laboratories in Singapore, the majority of which are located at public healthcare institutions such as hospitals. There are private sector industrial testing labs that offer testing of COVID-19 on surfaces, not patient swabs. It is not clear if these labs currently also offer testing of human samples since this is not advertised. It would be good to know if these industrial labs can be co-opted to help with our testing.

Given the challenges in scaling up the PCR testing method, there is a need to concurrently explore scaling up of other testing methods to be able to roll out effective mass testing. The Tony Blair Institute in the UK has called for antibody tests to be more widely used in conjunction with the PCR test, even if it is less accurate. Could such antibody tests together with the current PCR test be used to triage testing of suspected cases to take the load off the PCR testing infrastructure.

Next, Sir, a number of new schemes have been rolled out. For example, there is a $100 utilities rebate in this latest Fortitude Budget – $100. Previously, SIRS and JSS were rolled out. Before COVID-19 there were also many schemes. To cite some random examples – Workfare, Jobs Credit, Innovation Credit and SkillsFuture. Some schemes are automatically applied and money gets transferred into your bank account. That is it. Some schemes you have to apply for to get the money or support. For other schemes, the money exists in an account tagged to each citizen and you have to use it.

Sir, the more schemes we have, the more there is risk of confusion leading to under-utilisation or other side effects. Also, the more complex the whole system becomes the more resources need to go into the work of explaining, sifting through and helping people or firms to apply for these schemes. Social workers and Family Service Centres and officers at economic agencies like Enterprise Singapore, for example, would have to meet this challenge by mastering all the minutiae of the schemes and then explaining them well.

Sir, there are just too many schemes with distinct names and processes right now.

Would the Government consider a unified portal across the whole-of-Government where each citizen and company can log on, view and transact? Such a portal would show firstly, that the monies that have been credited from all schemes that automatically kick in; two, the schemes which that person or company is eligible to apply for; or where there is imperfect information where they may be eligible to apply for for those that need application with direct links to the application forms from respective Ministries, Statutory Boards and agencies; and thirdly, the money that has been credited to them in special accounts but which needs to be utilised by a certain date.

The existence of such a portal would be a first step. The next step would be to streamline the schemes and curb the tendency to launch new schemes but attempt instead to channel support into existing schemes. Sir, sometimes less is more. And in saying this, for the elderly who are less IT-savvy, arrangements need to be made to facilitate their access to such a portal.

Next, let me move to the economy. Minister Chan recently announced $13 billion in foreign direct investment commitments in the first four months of this year versus $15.2 billion for the whole of last year. This is good news indeed.

I would like to ask MTI how much of this $13 billion is fixed asset investment versus total business spending. How many jobs is this expected to be translated into? And what incentives were used to secure these investments?

It is important to continue to attract FDI and to refine and improve our strategies for doing so. But the economic challenge of developing home-grown entrepreneurship and our own world-beating companies is going to be greater than ever. World trade growth was already slowing own even before COVID-19. COVID-19 will not put in an end to FDI for sure. But it is likely to result in more competition for perhaps less FDI, as some multi-national companies or MNCs migrate some operations back home and other MNCs try to diversify to less traditional FDI destinations, responding to the imperatives of supply chain resilience, political pressures and other imperatives.

Sir, our GDP growth rate was a weak 0.7% in 2019 before COVID-19 and that 0.7% growth rate was one of the lowest rates of growth among major advanced economies in the world in that year. No doubt there are many schemes and programmes to stimulate entrepreneurship. Have these met with the desired results? Are we where we want to be?

In this House my colleagues and I have mooted a number of ideas on this front in the past. For example, setting up a fund to support ex-civil servants who want to become entrepreneurs and demonstrating more flexibility in schemes based on results.

Sir, NASA recently launched its first vehicle into space using private sector launch capacity provided by the company Space X. Uplifting our entrepreneurial sector is going to be a key national competitiveness challenge facing Singapore. I would argue for renewed soul searching and efforts on this front as an urgent priority. Mr Speaker, Sir, in Malay, please.

(In Malay): [Please refer to Vernacular Speech.] The Government's approach to Phase One and beyond hinges on the demarcation of companies into either an essential or non-essential category for each phase. This is in spite of the fact that crowds have been observed to continue visiting a number of supermarkets in shopping centres and are not really practising safe distancing under current rules. Has the Government considered an alternative approach, which is to calibrate this a little less finely, but in a broader manner instead? This means allowing most businesses to open, perhaps with the exception of those which may pose the most extreme risks. At the same time, every business should be required to practise safe distancing, the wearing of masks and all other precautions. And for those industries where the risk is greater, these should be targeted for more enforcement and regular, preventive COVID-19 testing.

(In English): Mr Speaker, Sir, has COVID-19 shown that our model of economics and politics is perfect? No. Neither is any countries'. The success achieved by other developed countries in the region against COVID-19 such as Taiwan, Korea, Hong Kong and New Zealand should give us pause that we, too, have things to learn.

For example, if stronger independent voices had come out to say the precautionary reusable mask wearing was okay in the early days, it may have cut down on some asymptomatic transmission.

Last year, I read an excellent book called "The Narrow Corridor" by academics Daron Acemoglu and James Robinson. It uses extensive historical research spanning centuries to argue that the most successful societies are those that find the right balance between a strong, capable state and an equally strong non-state sector – meaning civil society, alternative parties and the private sector – to balance that state. The outcomes of such successful societies are able to obtain combined political stability and law and order on the one hand together with long-term innovation-driven economic development and social progress on the other hand.

And so, in conclusion, Mr Speaker, Sir, at the end of this speech, I find myself returning to a theme in my very first speech in this House given in January 2016 – the Singapore glass is half full. Singaporeans bear a major two-fold responsibility to preserve what is good about our existing system but to change what should be changed to make it better.

Mr Speaker, Sir, four Budgets in less than four months. Kudos to the Government and especially the MOF team who stitched the Budgets together.

The COVID-19 pandemic has caused more disruption than one can imagine – changing lives and livelihoods as we knew them to be. Economic activities have plummeted, the depth and speed of which rival that of the Great Depression. Experts worldwide cannot agree on how long the downturn will be. There is no telling what the recovery is going to look like – V-curve, U-curve, Z-curve, a smooth bounce-back, a slow-burn recovery or worse still, a relapse.

One of Prime Minister Lee Hsien Loong's favourite quotes during this season is by former British Prime Minister Winston Churchill who said this, "Now, this is not the end. It is not even the beginning of the end. But it is perhaps, the end of the beginning". Indeed, change has only begun even as Singapore exits from the circuit breaker. Many people, businesses and individuals, understandably are very concerned about how this recovery will look like. I therefore seek Deputy Prime Minister and MOF's reading of the pace of recovery and what the overall strategy would look like in the best case scenario and in the worst case scenario.

I want to move next to touch on two things. One, on the small and medium enterprises or SMEs; and two, on charities, the social service sector and the disabled.

First, on the SMEs. We all know that the SMEs form an integral part of Singapore's economic landscape, embodying the spirit of entrepreneurship of our nation and employing more than two-thirds of our local workforce. I applaud the Singapore Government's and especially MTI's relentless efforts in supporting them, even before the pandemic.

SMEs with a headstart and stronger technological capabilities are likely to recover faster from the pandemic. The prognosis of the rest of the economy will be uncertain.

A survey of 48 merchant associations representing almost 500 merchants was conducted in May 2020 by the Federation of Merchant Association Singapore's heartland enterprises unit. When the merchants were asked what challenges they face in joining the e-commerce wagon, as they put it, about half of the respondents quoted these two top challenges: one, the lack of their own internal capabilities to sustain the digitalisation efforts; and two, the cost of implementation and the recurring costs of digitalisation. Capabilities and cost, not only during adoption, but also in sustaining the efforts, remain their top concerns.

So, using a simple segmentation based on one's willingness to change and two, the ability to change, there appears to be four groups of SMEs.

The first group: those who are willing and able to change. I think they will benefit most from Government schemes and they include the early adopters and the high-potential start-ups that are targeted in the Budget. How will we facilitate this group more to help them scale further and to open more doors for and with them?

Group two: those who are able to change and not willing to change. How do we convince and incentivise them so more of them will come on board?

Group three: those who are not able to change and not willing to change. I think we have no choice but to let them exit. But how will we, considering that they are also Singapore SMEs, how will we help them exit with a softer landing?

The last group, which is likely the largest, those who are willing to change but not able to change for various reasons. This is the largest group for which the strategy has to be training and coaching. Sir, it is not enough just to convert them. There is a need, a real need to make them not just "apprentices" and also "disciples" so that more of them can sustain digitalisation efforts and continue to be successful as we emerge from the crisis.

Is there some way by which we can invest and handhold them longer and deeper? Pair them perhaps with not just simply Digitalisation Ambassadors, but Digitalisation Coaches who can equip them with more and deeper operational and systemic skills and knowledge in such areas like backend stock inventory management, customer fulfilment, digital marketing skills and so forth.

And finally, for those who eventually have to cease operations but nonetheless have the acumen and energy to continue, can there be, for the SMEs, an equivalent of a "professional-conversion" scheme, just like what we have for individuals, a placement scheme, to help them seize business or job opportunities in sectors that are more in the sunrise spaces like urban farming, logistics, warehousing, healthcare, estate maintenance and so forth?

Next, I want to move from business to the charities, social service sector and the disabled.

Sir, like the SMEs in Singapore's economic landscape, many charities and social service agencies or SSAs form an integral part of Singapore's social service landscape. The services range from serving the elderly to the young, families, they operate in nursing homes, day activity centres, family service centres, early intervention to special education schools.

I thank Deputy Prime Minister Heng for acknowledging the importance of SSAs and charities as, "key partners", especially in this period. Deputy Prime Minister shared that in the years ahead, a "stronger social service sector will be even more critical".

I want to also thank Deputy Prime Minister for including the charities and SSAs in the Fortitude Budget in many schemes, such as Job Support Scheme and the Enhanced Fundraising Programme to match donations up to $250,000 per charity. These are all appreciated.

I have several suggestions for consideration by Government for this sector and for the people served by the sector.

Suggestion one: raise the cap of $250,000 in the Enhanced Fundraising Programme for larger charities. Sir, the larger charities run into tens and hundreds of millions of dollars in budget. They run community hospitals and disability centres. And fundraising provides a substantial top up to Government grants and subsidies for them. For such a time as this, fundraising is expectedly very challenging. It is hence useful for Government to consider raising the matching amount in order to incentivise more donors to invest now, rather than later or never.

Suggestion two: for this sector is to target high needs areas. There are groups with high support needs which call for more attention and resourcing so that they are not left behind. Some are the more severely disabled groups, such as beneficiaries in the autism day activity centres where we serve the more severe ones, residential homes, such as that run by St Andrew's, families with rare disorders are kids with rare disorders and multiple disabilities and lower income households sandwiched by elderly and younger disabled. Target high needs areas.

Suggestion three: can we include more blatantly, more explicitly and visibly charities and the social service sector in the transformation masterplan of Singapore? Transformation of a nation is needed – not just in the business sector but also in the not-for-profit sector. Many of the push for digitalisation, innovation and entrepreneurship in business are relevant to the people sector. The willing amongst them, like the SMEs, require not only just Digital Ambassadors but also digital coaches and partners. Charities with high potential and good track records, should be facilitated and governed with a lighter touch. Let them thrive, let them push the boundaries to greater heights and support them in their transformation.

Suggestion four: include vulnerable groups such as the disabled right at the start of planning in all of the good things: the digitalistion, jobs and skills upgrading movement, including and not limited to the exciting plans for the new National Jobs Council, SG-United Jobs and Traineeship and SkillsFuture efforts. In fact, adopt the principle of what is commonly known now as universal design and design for all, right at the start. BCA and MND have already done so in the design of buildings and the physical built environment. The same should be applied in other areas as well in the protection and creation of jobs an skills upgrading. So, that is four – include the people sector including the vulnerable, the disabled; right at the start in the planning.

And suggestion five: the last one for this group, is to start a disability chapter in the National Jobs Council. It is no secret that jobs are already hard to come by for persons with disabilities during normal times. Commissioned by MSF Minister, Mr Desmond Lee, a workgroup that is led by Minister of State Sam Tan and myself is working on the underlying factors for this issue and a report will be published by the end of the year. The COVID-19 outbreak, however, adds urgency to the challenges faced by the disability community especially in the areas of digitalisation and jobs. I therefore urge Deputy Prime Minister and Minster for Finance Heng and Senior Minister Tharman to set up a chapter in the National Jobs Council for the employability training and employment for the disabled so that they will not fall further behind.

In conclusion, Sir, on the lost, least and last in society.

Sir, this battle against our common enemy, COVID-19, can only be truly won if we include whom some in our society perceive as the lost, least and the last amongst us. Let us not give up easily on those who are willing to change but not able to change for some reasons, whether they are SMEs, social service agencies, our elderly, our disabled or others who are vulnerable in our Singapore family. They say it takes a globe to fight this pandemic. And indeed, the globe includes us and it starts with each one of us.

Once again, I quote Winston Churchill who said, "These are not dark days these are great days... we must all thank God that we have been allowed, each of us according to our stations to play a part in making these days memorable in the history of our race."

And I want to end off with a quote by our founding father of Singapore, Mr Lee Kuan Yew, of whom I know Deputy Prime Minister Heng is a great fan. Mr Lee Kuan Yew said this during the post SARS period, in his experience "in any battle, the morale and the spirit of the people will decide the outcome. I never believed we would fail".

Mr Lee Kuan Yew knew at that time it was going to be tough, like climbing up the face of a cliff. But we, like he said, "must have the guts and determination to climb the face of the cliff and we will climb up the face of the cliff!" And if I might add, with fortitude and not just the hindsight vision of 20-20.

Sir, we can only be #strongertogether. I support the Fortitude Budget wholeheartedly.

Mr Speaker, last week when Deputy Prime Minister delivered the Fortitude Budget, I had a moment of relief, as did many Singaporeans, to hear that the Government is helping to keep jobs and giving more support to businesses that might be struggling. The relief for sectors hit hardest and businesses still unable to open is very much welcomed. It has been months of hard work by the Government. Thank you for your dedication and to Singaporeans for playing their part.

Many businesses are affected during this period, with many unsure of their future.

This COVID-19 pandemic is causing unparalleled uncertainty across many fronts. One industry that I am immersed in is the sports and fitness industry. With the reliefs, businesses may have less worries for the next month or so but with the uncertainty of when they can resume operations due to safe distancing measures, or when Singaporeans will come back to sports due to their own personal concerns of safety, it is difficult for them to plan for the future.

This industry is having a tough time. Most sports and fitness activities stopped even before the circuit breaker started as there were already other measures in place to flatten the curve at that point of time. Most gyms and studios have frozen or adjusted their memberships to retain clients, while some are conducting online classes. Planned events from competitions to fundraising events have been cancelled. All these had led to significant revenue loss across the sector.

These are businesses that keep our society healthy and resilient and the COVID-19 pandemic is putting them at a risk. Sports and fitness helps to build a stronger national identity. It improves our health, productivity, reduces medical expenses and enhances social cohesion. Sports and fitness are for people of all ages, abilities and walks of life.

More importantly, the Sports and Fitness industry is one of the industries that has a huge knock-on effect to the rest of the economy since the Sports and Fitness industry is not just about people exercising or playing games – it also involves many other sectors and businesses such as tourism, retail, events management, marketing, sports education and training, support services such as Public Relations, fundraising and so on.

I understand that we must now proceed with caution as we slowly emerge after two months of circuit breaker measures and I wholeheartedly agree with it. We do not want our efforts to go to waste. We must all still do our part.

The current JSS scheme supports businesses that are unable to resume when a circuit breaker ends, with 75% of monthly wages till August or until they open. When a Sports and Fitness industry opens. Again, it will receive 25% of Monday wages being in JSS Tier 3. However, there will be many safe distancing measures in placed. For example, only being able to have one person per swimming lane or the spacing between each individual has to be huge, hence, only accommodating six people in the studio at all times. This cut in numbers will result in a low income coming in. The Sports and Fitness industry is finding it difficult to survive. Now, as they already had to dig in the reserves for the past two months or so. Besides paying their employees who may have already taken a pay cut, there are also other expenses. If unable to cope, these schools and clubs might start closing down and it will affect our pipeline as the schools and clubs are an important pathway for our sporting performance.

Right now, what will be helpful is if we have a clearer view. When Phase Two comes, outdoor sporting facilities can open again. Sports and Fitness is a highly varied industry, with many different kinds of activities – from outdoor sports, to personal training sessions, to tennis where players stand on opposing ends of the court, to swimming, to indoor activities such as yoga and kickboxing.

There are questions that many businesses are asking – when the numbers remain low, what will the plan be? What about indoor facilities and when these facilities can start again, what will the most number of people be allowed in at any point in time? These details will help this industry be more certain and help the industry chart the path ahead.

With all the positives that this industry brings to Singaporeans, we still want to see them around after the COVID-19 pandemic so that they can continue contributing positively to the community. If we continue doing our parts to keep each other safe, we can look forward to getting back into sporting activities safely. The rest of the services associated with the Sports and Fitness industry that I had highlighted above would also be able to better plan their respective businesses and know how to react to the new norms when the time comes. We will all have to adapt to a new kind of normal, to include safe distancing measures and ensure we come out of this stronger.

We talk about digitising in times like this. However, the Sports and Fitness industry is one of the sectors that is harder to digitise, as its very essence is to get people to go out and be active, healthy and interact socially. Yes, payments can be done online, some activities can shift online but It will be hard to do things like instructions online especially for our younger, older and special population groups that require a greater level of supervision. Certain activities that require a physical medium like swimming, will also lose out, because, say for example, why would parents want their children to do land activities online for swimming classes when they can take up a land sport instead? Some businesses need more help than digitising.

For those that can find a way to digitise, the Enterprise Innovation and Capability Development Grant was announced a week ago. This grant supports businesses that can come out with innovative and smart solutions within the sport industry. We eagerly await the application instructions.

More importantly, this is also a great opportunity for the Government to take a more holistic approach in improving the entire industry and provide the infrastructural approach and guidance to help the industry grow. This could be done by taking a more inclusive approach in education and towards the sporting enterprises, to help them grow together with this economy.

More emphasis needs to be placed on sports in Singapore. Starting from our schools. We must create an environment where sports is a bigger part of the curriculum from kindergarten all the way through Junior College and Polytechnic. Sports is nowhere near the top of our priority list, but what we learn from sports will also play a big part in our education. Institutions should embrace sporting values into their own culture. When we adequately and holistically impart the fun and advantages of sport in them at a young age, it helps to translate into lifelong participation in sports.

Personally, being actively involved in sports since a young age has helped me greatly. My parents saw the value in sports. It has not only helped me physically but also mentally and emotionally. When I was younger, I was not a very good student. I did not get good grades, but after winning a gold medal at the Paralympics in Beijing, I came back and did my "O" levels. I did not hit my expectations but thankfully I managed to get into Polytechnic. Then, I thought to myself, why not use the perseverance, grit, focus and everything I learnt from swimming to apply to my studies? I was then laser focused on getting my grades up and started to do pretty well and eventually got into SMU. If not for swimming, I would not be where i am today.

When kids start participating more in sports, their families watch them play and that helps with family bonding. This leads to a more supportive family and community. Parents are our first sport coaches and they impart social and family values through play. Similarly, as we age, other important values can be imparted through sports.

For the sporting industry to be sustainable in Singapore, we must create a stronger industry with more opportunities. For our sporting culture to grow, the Sports and Fitness industry must grow too. Sport Singapore has done a commendable job with Active SG, Singapore Sports Institute, Sports Cares and more. We have amazing facilities and host world class events. We must continue our efforts and continue to improve by growing the sports industry.

As a regulator, an approach would be to work closer with the private sector to enhance capabilities, resources and business opportunities. Sports and fitness businesses are an important pillar of this industry as they bring expertise, knowledge and organised play to the table. They employ passionate Singaporeans that are constantly shaping the lives of people of all ages and backgrounds. And we need them to thrive so as to achieve the outcomes I spoke about earlier.

One of the ways is to provide them access to the many facilities that we have developed over the years. We have many facilities that are largely reserved for use only by the public sector. Opening up access would create more opportunities for the industry to grow.

More importantly, to build sustainability, we also need to accelerate the growth of businesses who have great potential. For these companies, we could offer support for growth, examples include upskilling of workforce, hiring of middle aged educators who are looking for a career switch, support for programme or curriculum development and support for new market development.

Another approach is to take a more inclusionary path in organising the Sports and Fitness industry. SportSG as a regulator has done a fantastic job with its various initiatives to get people to participate in sports. However, the impact may be greater and faster, if we allow the Sports and Fitness industry operators to help in this process. One of the ways we could do this is to allow the Sports and Fitness industry to fill in the gaps and allow them to grow, rather than to take a one size fits all approach. In the long run, we will have a more vibrant, sustainable sporting Singapore.

Mr Speaker, the next group of people that I will be speaking for, are some people that tend to be left behind because they have more specific circumstances and needs that you might not think about unless you were in their shoes. In this period of time, how many Singaporeans have thought about how somebody who is blind and living alone while observing safe distancing measures is coping? If a student with muscular dystrophy needs an oxygen tank with a breathing mask and their teacher asks them to put on a face mask or shield, which would mean that they have to take the oxygen tank off, so that the teacher does not get into trouble for not observing the measures. How would this affect the student and their family?

In times like this, it is especially crucial to look out for those who may be struggling more than others. I recognise that SGEnable and Social Service Agency partners are helping people with special needs and the vulnerable in the community. I see the C.A.R.E initiative by Mediacorp Enable Fund aiming to help people with disabilities and their care-givers ride out the COVID-19 pandemic as the impact on this community has been, in their words "disproportionately huge". This fund is driven by public donations and we greatly appreciate that. Together, we can all continue playing a part to ensure no one falls through the cracks.

The lack of information to certain disability groups in Singapore is counter-productive to the effort in combating the COVID-19 outbreak. The right to information is crucial for ensuring public awareness, trust and fighting misinformation.

We have to ensure that public health information and communication is accessible on all important media publications. It would be ideal if a Singapore Sign Language interpreter is present for all live, recorded events and communications. This includes national addresses, press briefings and live social media. I am happy to see that the Budget speech last week included Singapore Sign Language and live notes. Over the weekend, I was watching a live panel discussion on social media – Get Active TV that featured Minister Fu and SportSG. They too had a Singapore Sign Language interpreter and live notes. I am very heartened at this great development and hopefully this can continue on all other updates and media during this time and beyond. We look forward to a time when all media comes with live Singapore Sign Language interpretation. This is important because that is the first language for many people who are deaf.

We need public materials that can be converted into "Easy Read" format so that they can be accessible for people with cognitive impairment. We need to develop accessible written information products by using appropriate document formats with structured headings, large print, braille versions and formats for people who are deafblind or visually impaired. The images we put out out there have to be inclusive and enable the independence of Persons with Disabilities (PWDs). For example, the current level of safe entry QR code tends to be placed a bit too high. A consideration could be to place it at varying easy to reach heights as we have done so with many lift buttons.

Next, supermarkets have done a great job at dealing with the increased demand and restocking of shelves. The priority shopping hour for vulnerable groups is a great start and we hope that persons with all disabilities can access this, including those with invisible disabilities. Some PWDs find it difficult to go to supermarkets because they are staying at home due to having compromised immune systems. Hence, other than a priority shopping hour, introducing priority delivery slots will also help. Many PWDs are finding it hard to get deliveries. This may be a combination of there not being enough slots as well as the accessibility of websites not being optimal.

Other than food, access to medical prescriptions and other health care supplies are highly essential as well. Existing volunteer networks can be activated to help deliver these supplies. If possible, doctors should be able to see their at-risk patients online for check ups because they are afraid of going to hospitals to get exposed yet they do need to see the doctor for their regular check up.

Besides medications, some disabilities require more home care and physiotherapy services. These services cannot be stopped as it will bring detrimental results mentally and physically to PWDs and their family. In some cases, not getting their physiotherapy will result in irreversible loss of muscle or contracture which will permanently impact their quality of life. In just two weeks' time, they would have permanently lost quite a bit of function.

Employment of persons with disabilities remains relatively low in Singapore and for those that are employed, not all are fortunate enough to be able to execute their work from home. The main issues for PWDs working from home are whether their employers can adequately physically and financially provide the assistive devices and technology they may need to work at home. Many themselves are not able to do so because of their socio-economic challenges.

For PWDs whose job scope used to be done predominantly face-to-face, the added need for technology to be able to potentially do the work online would mean increased spending. While there is an existing Assistive Technology Fund for Persons with Disabilities, it is a reimbursement fund tied to means testing and the reimbursement can also take up to three weeks which may not be a feasible option for those who are struggling financially. Schemes such as NEU PC to provide laptops to students from low-income families are welcome. However, assistive technology and aids are usually more expensive to purchase. This translates to a loss of income and opportunities to retrain or learn new skills.

Socially, the lack of access to IT equipment can mean missing out on opportunities to maintain or grow connections with friends and families. This can in turn negatively impact those with psycho-social disabilities, increasing mental stress and straining existing coping mechanisms.

As we are encouraged to work from home or have home-based learning, what assistance is being provided to ensure that the assistive technology is available in all homes for persons with disabilities? Many of them face socio-economic challenges and may not be able to afford IT equipment, assistive aids and broadband to help them better cope with life in this period of time.

Persons with disabilities who had jobs that cannot be done online or had difficulties finding employment before the COVID-19 pandemic are even more concerned that they will not be able to return to work or get a job. They are also concerned about the accessibility or inclusivity of job training and retraining programmes.

The financial assistance provided by the Temporary Relief fund, COVID-19 Support Grant and other schemes such as SIRS are greatly appreciated.

Those with disabilities already often have higher healthcare and personal care costs and these costs are likely to increase as alternative or emergency arrangements are made during the circuit breaker or the phases after that. In addition, some PWDs rely on informal and temporary work arrangements and as such, do not strictly fit into the eligibility requirements of SIRS.

Taking that into consideration, can the Government consider extending the amount that is given and the duration of the relief for persons with disabilities or increasing the eligibility to those with higher household incomes?

Lastly, it is important to have a disability touch point for the COVID-19 response. Having a touch point within the Government or related agencies where persons with disabilities, their care-givers and organisations can feedback on the accessibility of COVID-19 response information and measures is key. We need a fast response as a delay might cause harm to some individuals in special situations. This touch point ensures that there is two-way communication about the COVID-19 response and we can identify the gaps quickly and share best practices. The best way to find out what people need is to ask them.

In this pandemic, we have to look out for all so that we can truly be an inclusive and united Singapore. I support the Budget.

Mr Speaker, Sir, the measures introduced in our four Budgets thus far have been designed to provide short-term measures and immediate relief to save businesses and preserve livelihoods and jobs, as well as to accelerate the long-term transformation of Singapore's socio-economic framework and foundations, so that we, as a country, can emerge stronger from this crisis.

While there has been a comprehensive range of schemes and measures rolled out, I would like to focus on a few key areas in my speech.

The COVID-19 pandemic has seen the Government take bold, unprecedented steps to help our businesses stay afloat. As most of us know, two of the biggest overheads that businesses must manage are manpower costs and rent. To support manpower cost and to save jobs, the Government has introduced the Jobs Support Scheme and either waived or provided rebates on manpower levies.

To help companies manage rental cost, the Government first introduced several measures such as rebate on property tax and waiver of rental for tenants of Government properties.

More significantly, this is now being reinforced with proposed legislation to mandate commercial landlords to grant rental waivers to their SME tenants who have suffered a reduction in businesses due to COVID-19. This is rare in Singapore's context as the Government does not usually engage in direct intervention of the market, especially in private business arrangements. But this is not a common crisis and this uncommon step of intervening demonstrates the commitment of the Government to help SMEs weather through the storm.

I am in firm support of this and while this is a positive boost for SME tenants, there is also the possibility that a significant number of smaller landlords could themselves be small companies or even individual owners who are dependent on this rental income to meet their income needs and financial commitments. Waiving the rental income for their tenants might thus result in them being deprived of revenue or even being slapped with penalties from financial institutions because they are unable to service their loans.

What help and support would the Government be able to provide smaller landlords in such situations? And if these smaller landlords are unable to fulfill their financial obligations, would the Government be able to intervene to mandate that financial institutions perhaps could suspend loan repayments until this group of landlords are able to start collecting their rental income?

I would like to move on now, Mr Speaker, Sir, to helping workers and those who have lost their jobs.

Despite all the measures that we have put in place to support companies through COVID-19, not all companies will survive the downturn and the global economic slowdown. Retrenchment is thus imminently unavoidable. It is heartening to know that one of the major thrusts of the main and supplementary Budgets is to preserve jobs and a new National Jobs Council will be set up to look at job creation and the deep skilling of workers.

COVID-19 has transformed the way we think about work. In many countries, what was traditionally known as "3D jobs" – dirty, dangerous and demeaning – are now considered as important services that keep countries going, that keep communities going. Frontline jobs that were not given much attention in the past are now being recognised as being operationally essential.

Singapore is no exception. COVID-19, indeed, has created some jobs that were unheard of prior to the pandemic. In January this year, we would have no clue what a Safe Distancing Ambassador, a test swabber, a swab assistant or a temperature taker was. But they have now entered the lexicon of our everyday use – in terms of the language that we use. Indeed, as reported in the media this week, we will soon have Digital Ambassadors to help hawkers and senior citizens to learn digital skills.

These jobs were clearly created out of the need to manage the challenges of COVID-19 and also help provide part-time employment to those who were made redundant by the crisis. In the mid term, certain jobs like Safe Distancing Ambassadors will continue to be relevant but in the long run, some of these jobs could be less necessary as we internalise the need to practise safe distancing, when a vaccine for COVID-19 becomes available or as we level up on the digital front.

To ensure that this precious workforce does not become redundant when these semi-permanent positions are no longer required, how can we future-proof the career paths of currently employed Singaporeans and to help our people retrain, up-skill and continue to pivot and shapeshift, as it were, to stay relevant as we respond to the new normal.

I sincerely hope that this is something that the National Jobs Council will need to consider as it balances short-term national needs with the long-term prospects for our people.

The next topic, Mr Speaker, Sir, is on digitalisation and education.

In the early days of COVID-19, there was a meme circulating that the virus was more effective than CEOs and CTOs in pushing for digital transformation. This meme turned out to be quite prophetic and in the past few months, we have seen companies accelerating digital implementation and making remote work platforms mainstream in somewhat record time.

The same could be said about our schools. Since the start of the circuit breaker, school-going children across all age groups have adopted home-based learning. It was reported that more than 96% of students are participating in it. On the one hand, this figure is encouraging as it shows that our children have adapted well to learning on digital channels. Yet, on the other hand, it was reported that MOE had to loan out thousands of computing devices and internet dongles to families. These figures suggest that there is a gap in accessibility to digital learning.

It is heartening to know that MOE intends to accelerate the ownership of digital learning devices for all Secondary school children from their initial date of 2028.

However, I would like to clarify if there are similar plans to accelerate the ownership of these devices for children from other levels of study – so not just Secondary school students and above, but perhaps for Primary school students. And more critically, if there are, will this device be purchased off-the-shelf and supplied by different tech companies or will it be a proprietary device uniquely designed and manufactured by MOE for our schools and for our school children?

I am strongly advocating for the latter, Mr Speaker. In addition to have the opportunity for Singapore businesses to benefit from both hardware production and software development, the benefits to our children will be myriad.

With more control over the design and functionality of this device, this all-in-one custom-designed learning device could function as a lap-top, a tablet, an e-text book, and a communication tool. A veritable digital "Swiss-Army Education Knife" of sorts.

The ownership of this multi-function device might also eliminate the need for piles of back-breaking, physical textbooks year after year after year. Going to school in the future could be as easy as just bringing along this device and all forms of learning and work submission can be done digitally on a unified platform. Quite literally, we are putting the world in the hands of our school children. The software could be customised and adapted to suit the pace of learning for different children while also providing personal insights to how each student engages and interacts along the learning journey.

Mr Speaker, Sir, I envisage the schools of the future to be one where students would do everything off this device. The operating system of this device could function like an enhanced version of the MOE's present Student Learning System (SLS) and would allow for more coordinated and unified communication and work planning. This would meet the twin goals of being environmentally friendly while also taking a huge step towards being a digital smart nation.

We could tier the ownership cost of the device depending on varying household incomes, with the aim that no school-going child should be deprived of their own personal learning device. No school-going child should be deprived of their own personal learning device. This would give our children, especially those from lower income background, a sense of pride and ownership that they have their own personal device that will allow them to navigate the same digital and virtual education landscapes as their peers. The deliberately neutral branding also encourages status equality, not to mention standard software and hardware upgrades that will leave no child lacking.

Mr Speaker, Sir, I know that this might seem like an audaciously ambitious idea, but aiming high and overachieving is something that Singapore has always done. So, I urge the MOE to give this idea a serious thought and I look forward to the day that not only can we ensure that every student – every student is provided with their own personal Smart Learning device, but we can take pride that this device was designed and produced by our MOE, specially for our children. Singapore could very well be the first nation in the world to achieve our vision of "smart learning."

Mr Speaker, Sir, 2020 will no doubt go down in memory as one of the most volatile years the world, and Singapore, has experienced. Yet in every crisis, lie opportunities to innovate and transform and the past 100 days have certainly seen our companies and schools doing just that, as they have experimented and innovated with new methods of doing business and conducting lessons.

As Singaporeans, we are a resilient people. And we can be masters of our own destiny and forge our own uniquely Singaporean path through this crisis. With the Government playing a pivotal role and strengthening its commitment to the people, I am certain that we will emerge as a stronger and more cohesive society after COVID-19. I thus conclude my speech in firm support of the Fortitude Budget.

Mr Speaker, I stand here today with mixed feelings. On one hand, I am relieved that the circuit breaker has officially ended. On the other hand, with no immediate end in sight to the COVID-19 battle, I am worried about what the next few months, rather years, have in store for Singapore and Singaporeans.

I speak for my generation and those young at heart when I say that there are many questions running through our minds. Are we in a grave situation? Yes, without a doubt. Have we faced a situation like this before? No, most certainly not. Have we been in a worse situation? Yes, we have in 1965. Are we facing an existential threat? No, we are not. Do we have what it takes to get through this and emerge stronger? Yes, I strongly and wholeheartedly believe so.

Sir, what gives me this confidence is that the Singapore story is replete with instances of major crises that have in some cases shaken us to the core. From a forced Independence to the communist threat to the racial riots to recessions to multiple global financial crises to even pandemics, we have come through it all. And it was those defining moments that have always brought the best out of our people.

As we deal with the immediate issues and pressing problems facing us, I remind myself, Members of this house and my fellow Singaporeans that COVID-19 is offering us a once-in-a-generation opportunity to make seismic shifts in the way we have been doing things. This shall form the crux of my speech today.

First, responsibility to the nation. Second, the future of work. Third, digital transformation and innovation.

I begin by speaking on the theme of our responsibility to the nation. As parliamentarians, we are collectively responsible for our nation's fiscal health. Mr Speaker, as I have previously mentioned in this House, one of the hallmarks of the Singapore brand is fiscal prudence pillared by accountability and responsibility. It is the reason why we are able to draw on our reserves and table an unprecedented four Budgets in four months.

Sir, during our Unity Budget debates earlier this year, several Members of this House raised questions about the continued health of our National Investment Returns Contributions (NIRC), which are now the largest contributor to the Government's coffers. In addition to COVID-19, we continue to face long-term pressures such as the geopolitical tensions between America and China, stagnating growth and more nationalist and protectionist tendencies around the world. Given that our reserves form the basis of our NIRC revenue, what is the projected revenue impact of this large drawdown? Additionally, how long do we expect this to last?

Mr Speaker, I must point out that the first and only previous instance when we had to dip into our reserves was in 2009. Then, when faced with a fast deteriorating global economic environment and the prospect of a deep and prolonged recession, the House drew down on S$4.9 billion from past reserves. And they only used S$4.9 billion. And a mere two years later, the amount drawn was returned back to the reserves in 2011. Today, Sir, we are drawing over 10 times more than what we drew in 2009. We owe it to our future generations to safeguard their future as our forefathers have done so for us. My third question thus echoes the concerns which I heard in this Chamber yesterday. Can the Deputy Prime Minister share his plans to return the money drawn back to our reserves in the years to come?

Finally, Mr Speaker, we must not be lulled into a false sense of security that our reserves are unlimited. Consequently, we cannot afford to be complacent in how the money is being spent. Even as Deputy Prime Minister has assured us that the Public Accounts Committee has been scrutinising Government's expenditure, we need to instill a mindset of "active audit" to ensure that funds channeled for the various schemes and projects are indeed being spent wisely.

Mr Speaker, this brings me to my second theme on the future of work. This crisis is an opportunity for us to re-imagine work. At various times, this House has debated the importance of improving our work-life balance and having a more sustainable way of life. Sir, this is our moment.

Our experience over the last three months has shown that being present in the office and having face-to-face meetings is not absolutely necessary for many of us. Members of this House and fellow Singaporeans will be surprised to know that the SGUnited Buka Puasa initiative involving multiple Government agencies, private companies and community organisations was conceptualised, planned and operationalised virtually, without even a single physical meeting. And I am sure there are many other such projects.

We have, within a very short period of time, adapted to working through video conferencing, private messaging, emails and even the good old fashion phone calls. To quote the CEO of a leading software firm, COVID-19 has resulted in two years of digital transformation in just two months. We need to build upon this rather than going back to old ways. It is time that we reconsider a new model for our companies. Allow me to offer some solutions and suggestions.

First, as we reopen the economy, we have to fundamentally rethink future job arrangements. I propose moving away from the traditional five-day work week to a four-day work week with the option of working from home on the fifth day and even having a flexi-hours work model. Established companies like Microsoft have demonstrated that a four-day work week can increase productivity by up to 40%. Twitter's CEO recently announced that it will allow its employees to work from home "forever". In New Zealand, a four-day work week to promote better work life balance and domestic tourism as a means to help the economy is being considered. As the Government prepares for Phase Two, we should re-evaluate our traditional model of work.

Second, I hope that after COVID-19, telecommuting will not disappear but will be a more permanent feature. As the Government prepares to work with our companies to begin the job creation process, it is incumbent on us to incentivise the creation of jobs which will allow telecommuting. In doing so, we will no longer exclude those who may be unable to work in a traditional nine-to-five environment for various reasons.

President Halimah recently said, and I quote, "Imagine how many more women with young children could remain in the workforce if they could telecommute. Imagine the kind of skills and talents among women that we could retain to benefit our society and economy. With dual income families more of a necessity today, we should make it easier for women with family obligations to work." Mr Speaker, it is not just women with care-giving duties who will benefit from this arrangement but many more.

Recently, I came across a very moving commentary by Mr Jonathan Tiong, a fourth year student from NUS. He is a disabled person who will soon be entering the workforce. Being a wheelchair user, one of the biggest obstacles he faced was travel, which he defined as the mere act of leaving his home. Unlike an able-bodied person, he cannot just get up and go wherever he wants. The logistics of transport invariably involves at least one other person for him. He shared from his personal experience that video conferencing will help disabled persons and people with disabilities to integrate better into society by allowing them to lead more active professional and social lives.

In creating openings and retaining these segments of the population in the workforce, we can then create a workforce that is not only fair to all but also ensure that we maximise our potential to the fullest. I am confident that the National Jobs Council helmed by Senior Minister Tharman will also look into this matter.

On digital transformation and innovation, since 2014, the Smart Nation initiative has been quietly transforming and enriching the lives of many Singaporeans. At the World Economic Forum in Davos in 2019, Deputy Prime Minister stated that Singapore needs to work towards repositioning itself to becoming a Global-Asia node of technology, innovation and enterprise.

As we restart our economy, the importance of the Smart Nation initiative and the words of Deputy Prime Minister cannot be more true. To ride the new wave, we need our people to be digitally enabled in every sense of the word. What this means is that in addition to the various aspects of citizenry, we need Singaporeans to not only be IT-savvy but also be responsible digital citizens or digitizens.

This pandemic has taught us how under-prepared many were for a global crisis that affected all countries. It has also brought to the forefront the need for digital acceleration and the importance of business continuity plans for businesses and organisations of all sizes. In this regard, there is a vital need for a one-stop digital acceleration centre of excellence that can provide seamless solutions for companies and organisations seeking to ride the coming wave.

Mr Speaker, a digital economy cannot be the exclusive purview of the rich. Singaporeans living in rental flats and those in the lower income brackets are disproportionately less likely to have wifi at home. In fact, in the last three months, we have seen regular media coverage about the struggles that some of these families face trying to ensure that their children can participate in home-based learning. I understand that MSF has plans to proactively reach out to these Singaporeans with a helping hand. The existing Digital Inclusion framework needs to be reinforced so that no one gets left behind causing a digital divide. I urge MCI and IMDA to redouble their efforts in distributing internet connected devices, and work to ensure that affordable wifi is available to residents living in our rental flats.

I would also like to express my support and commend MCI and IMDA for launching the Seniors Go Digital Movement. It is timely and crucial to also include our seniors in our Digitalisation journey. Beyond family, friends and the wider community, our model of constantly creating public-private partnerships should not be forgotten. Mr Speaker, I hope that MCI and IMDA will collaborate and work with various tech companies as we continue to ensure our seniors are not left behind.

On innovation, Harvard Business School professor Rosabeth Moss Kanter said, “Change is a threat when done to me, but an opportunity when done by me.” In my many conversations with fellow Singaporeans over the circuit breaker period, I have come to realise that many of them are embodying a key trait: adaptability through innovation. Let me illustrate this through the lens of our response to this crisis.

When we announced the circuit breaker, we had to adapt to a completely new way of life. Parents had to learn how to work from home while supervising their children in home-based learning. Teachers had to transition to teaching the entire syllabus online. Businesses had to learn how to continue operating without access to their paper documents or any in person interaction. Sir, the crisis forced us to be adaptable. No one was spared from the need to change their way of life.

Out of this disorientation came the spirit of innovation. We have innovated by adopting video conferencing tools to conduct meetings and even marriages! Our food establishments have innovated by serving their patrons without any physical interaction. Even our wet-markets were not spared. Our civil servants had to innovate as well. The SafeEntry declaration that I scanned today and the TraceTogether app which is running on my phone right now are all concrete examples of innovation driven by our teams at GovTech.

Mr Speaker, this adaptability through innovation has ensured that our country can continue to function.

In conclusion, the COVID-19 pandemic is the latest in a long list of crises that have hit the world in recent times. It has exposed our fragilities and the urgent need to rethink our way forward. The multi-faceted crisis the world is faced with did reveal itself in various ways in the last decades, continuously sending us signals on the urgent necessity to take action and embark on a transformational journey.

Throughout the history of humanity, crises have always represented critical junctures allowing mankind to take the path of innovation and positive transformation that contributed to building better societies. The COVID-19 pandemic should be no exception. We stand at the threshold of history to build a healthier, more peaceful, prosperous, inclusive, resilient and sustainable society in Singapore.

In this regard, it behooves me to embrace the spirit of the Singapore Together Movement which has been labelled "a cornerstone" of nation building by Deputy Prime Minister as we beat the odds together. With that, I support the Budget. Majulah, Singapura. It is a privilege to serve.