From what I hear, the number of customers in the industry has dropped significantly, and people are spending far less money.

With interest rates set to rise again today, I suspect the industry landscape will undergo a major shake-up if this trend continues.

Just as polarization is happening everywhere else, I think the same applies here. Only major players like T5 will likely turn a profit, while many small-scale businesses will disappear.

Everyone is aware of the news that restrictions on student visas are about to be drastically tightened.

It looks like bleak times lie ahead for punters. No new talent coming in and fewer options available.

I pay off the loan, hand my paycheck over to my wife, and get a meager allowance. What is there left for thrifty punters like us to live for?