The Ordinary Account savings can be used to purchase a home under the CPF housing schemes. A Housing and Development Board ( HDB ) flat may be purchased under the Public Housing Scheme, or a private property under the Residential Properties Scheme. CPF savings may be used for full or partial payment of the property, and to service the monthly housing payments. Home buyers who are taking a bank loan to finance their property purchase have to pay the first 5% of the downpayment in cash. If a flat is purchased under the Public Housing Scheme, insurance under the Home Protection Scheme will be needed.
American Capital — Founded in 1986, American invests in middle-market companies. The firm has eight offices in the United States, Europe and Asia. American and its affiliates prefer to make more substantial investments from a dollars perspective. The firm targets companies within healthcare and more than a dozen other industries. Healthcare companies in its portfolio include AmWINS Group, a wholesale insurance broker; Sage Products, a developer of products to help prevent hospital-acquired conditions; Cole-Parmer Instrument Company, a provider of laboratory and industrial fluid handling products; and Alcami Holdings, a supplier of pharmaceutical development and manufacturing services. More information about American is available at .