Pale attempt by the ST to clear the air on Eldershield

In an editorial piece in the ST on 10 Feb, it had a title, Clearing the
air about Eldershield, and concluded with this paragraph:
 
‘Basic concepts ought to be explained now so that people can appreciate
how lowering the enrolment age “makes sense”, as experts have observed –
both to cover every Singaporean and to smooth out premiums. Of course,
it’s natural for many to seek bigger benefits