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We believe that the introduction of EPF Account 3 will help to boost consumer consumption which will likely offset the impact from higher cost of living. This should augur well for DKSH, given its diverse portfolio of premium and affordable options. Therefore, we think that should there be down-trading among consumers, DKSH would still be able to mitigate the negative impact. All told, we expect DKSH to post a net profit growth of 10.6% YoY.