Membership to a lot of insurance bodies is mandatory in most agencies, especially in the government. For private companies and corporations, we have the SSS or Social Security Service as the government insurer for workers and employers. For government, we have the Government Service Insurance System . We also have PAGIBIG that promote savings and enhance housing accessibility for Filipino workers. From a fledgling IT systems, these offices did their best to integrate with updated technology. Many still remain wanting, but so far, as many would say, "pwede na". Like many government agencies, the intervention of face-to-face (F2F) services still exist. But some are as cryptic as the shady management that runs them. For instance, teachers still claim to have been had of their GSIS loans (they suddenly have loans even if they did not file any! Others like the PNP experience non-stop deductions from their salaries, while others were claimed to have not fully paid their loans yet...