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UTA Hi Vegas , as usual you have hit the nail on the head with a balanced and calm observation , unlike my sledgehammer on a nut approach. December 13, 2011 by Luke Hopewell in MobilityPlay VideoDefining 'intelligence' in Singapore's iN2015We take stock of Singapore government's Intelligent Nation 2015 and find out how organizations in the island state have adopted ICT to drive business growth and innovation. Transcript: The cost of car insurance Paying excess A car insurance claim may still cost you money if you have excess to pay.