On Thursday’s session of Our Singapore Conversation (OSC) dialogue on housing, which focused on home ownership, most of the Singaporeans who gathered to debate the future of the Housing Board (HDB) wanted the rules tightened to make flats "more home, less asset". They felt that the priority should be to meet the housing needs of Singaporeans as opposed to seeing flats as appreciating assets. Almost all did not want to see Singapore's home ownership rate fall below 80 or 90 per cent. SMU economics student Tan Pei Yuan, 25, gathered from the session that "there is a consensus on housing and that is to move towards inclusiveness and affordable homes for all".