Surrounded by controversy and debate over the years, Singapore's Central Provident Fund system treads a fine line between preparing people for their retirements and helping them achieve their lifetime goals while supporting the nation's economic health. Twelve years ago, Mr Francis Tan and his spouse sat across from a Housing and Development Board (HDB) officer, preparing to sign the deed for their first home. The money they had in their Central Provident Fund (CPF) accounts was enough to pay