Temu kan lah I dgn orang2 yg betul2 nk tahu apa tu hibah or income replacement. Especially yg first timer dgr. Tk kisah nk ambil ke tak, at least u tau mcm mn dia berfungsi. Mntau in future u ada extra allocation utk ambil, itu hak u nak ambik dgn siapa. Tk semestinya dgn i. Sbb its for your own benefit 😄