hahaha as I said, just hold and keep accumulated when majority of people said .. bad! !! because majority of people are not really know what they don't know. Be outstanding , be difference and think from difference perspective, you get difference outcome.... bank of course knowing cut OPR will affect on their result... but why don't you think, Cut OPR is just temporary and eventually they get more LOAN business ... when Rise OPR, they earn even MORE than Ever !! open your mind.