Vol. I No. 42 • ISSN 2094-4098March 29-April 4, 2010

By TONY HIDALGO

VILLAR & CO.EARNED P42BIN HOUSING SCAM

JOIN CRUSADE TO CHANGE JUSTICE SYSTEM IN RP

WE seek to establish a justice system whereby itis the people themselveswho exercise the power tosay who must be arrestedand brought to trial andwho exercise the power to judge if those brought totrial are guilty or not.The power to say whoshould be tried in courtis now exercised by the prosecutors in the Philip- pines. So that if the one being accused of rape,murder or corruption is

inuential, which is most

likely, the prosecutorscan easily be intimidatedor bought. BUT if we putthis power in the hands of a Grand Jury, usually com- posing 23 persons selected

by rafe from a voters’ list

and whose names and facesare kept secret, we are fore-closing any opportunity for

the inuential crime doer to

use his power, money and

inuence. The role of thescal shall be limited to the

presentation of evidencein court. The Grand Juryis vested with the power to compel intimidated or bought witnesses to speak up or he will be jailed un-til they agree to speak up by the power of contempt;law enforcers will be compelled to gather evidence or they will be held in jail incontempt until they agree towork as detectives. Now, the power to saywhether an accused is guiltyor not is exercised by one judge in the Philippines;may be of a regional trialcourt or a municipal trialcourt. As we know or hear,the powerful and rich ac-

cused can easily inuence

or buy decisions. BUT if we place this power in thehands of a Trial Jury, a groupof 12 ordinary persons cho-sen at random from the vot-

ers’ list and whose faces

and names are kept secret,we are also foreclosing anyopportunity for the decision

to be bought or inuenced.

Here, ordinary persons aretasked only to know whatis true and what is false; theapplication of laws shall bethe duty of the judge who islearned in law.The fact that we areforeclosing opportunitiesfor tampering with justice,we are sure that the abusiveand corrupt shall learn totoe the line and observe therule of law.

The vision here is we seeeverybody to be“PATAS SA BATAS.”

With jury, all laws cannow be implemented. If wehave laws against discrimi-nation by one tribe againstanother, or by Christiansagainst Muslims, or by therich against the poor, we cansay that rebellions (by NPAand MILF) will die becausethe root that is discrimina-tion is being attacked by theJury System.With all corruptionlaws assured of imple-mentation, the usually

corrupt ofcials will be

compelled to stop steal-

ing people’s money. The

swindlers will stop be-cause they know the longarm of the law will surelyreach them.Businessmen will dealfairly with the consum-ers because the assuranceof implementation of thelaws keeps them at bay.Sign up at http:// philjury.ning.com.

…fake mortgages to ctitiousborrowers, nonexistent houses sold to nonexistent buyers, and themore common case: real, but substandard,houses, hastily sold to buyers who clearlydid not have the capacity to pay back theloan during the agreed loan period. By the time HUDCC took action tocorrect the anomalous situation in 1996 under my coordination, some 42 billionhad been disbursed in mortgagesunder the Villar scheme.

“”

(

Note: The author, Mr. Hi-dalgo, was one of the origi-

nal ofcers of Task Force on

Human Settlement during thebeginning of the term of then President Corazon Aquino.This story is his personal ex-

perience.)

HATEVER themerits of your abstract argu-ment about the presumption of innocence, let me assure youand the brods that Manny Vil-lar is far from innocent. He isas crooked and greedy as theycome.Winnie Monsod has madea very good case about hiscrookedness in the Paranaqueroad projects that passedthrough his properties at his behest as a lawmaker, en-abling him to sell some of his land to the government atmuch more than market pricesand to reap many millions in property appreciation fromthe government roads.He is also guilty of mak-ing billions out of governmentfunds for socialized hous-ing through a questionable,unsustainable scheme that

nearly destroyed our nancialsystem in the ’90s.It’s a bit complicated, but I

was right there, trying to stop

what was essentially Villar’s

scheme as Secretary-Generalof HUDCC (housing). Fortu-nately, we succeeded (Dept. of Finance, Pag-Ibig Fund, SSS,GSIS, HUDCC, HIGC--I washead of the multi-agency Task Force that did this) and avoid-

ed a nancial disaster in the

Philippines that would have preceded the similar one thatrecently hit the US and hurtthe world economy.It started when Cory became president. Villar,

TOTO C. CAUSING

Auditor, NPC

through the CREBA he con-trolled, drafted a socializedhousing law to spur low-costhousing in the country. Coryapproved it with her emergen-cy powers, not seeing through

Villar’s scheme.

To oversimplify, the lawrequired the SSS, GSIS, andPag-Ibig Fund to put billionsof pesos of their funds eachyear into a fund for mortgages

for low-cost housing (denedinitially as 150T max, later

To page 3 To page 3

Please help bring respect to National Press Club

Dear NPC member,I think that you may have already heard by now that I amrunning for president of National Press Club and the elec-

tion is set for May 2, 2010.

As a leader in your present and past beats, I am com-ing to you for help for the organization we both love to call NPC.Regardless of whether you have committed to other candidates, may I respectfully ask you to consider my request for help for me to win this election inorder for me to be able to institute my program of actions in giving prestige to our organization thatis suffering from credibility before its membersand the public.The following are my program of actions:

1. Organizing NPC Institute of Journalism within the rst six (6) months of my term if I

win -- the objectives of this are (a) to give a big boost to the Club in terms of credibility thatit is intending to reclaim its reputation as the genuine bastion of press freedom, (b) to providean apparatus by which the children of hard-pressed journalists can have a college education

free of tuition, which program is better than giving P5,000 to only a few chosen children of

NPC members adopted as scholars, and (c) to develop a reputation for the club to be known

as a group of the nest journalists in the country.

2. Purging NPC membership of non-journalists and instituting a new requirement for membership that is for an applicant to undergo an examination and an interview aside fromstrict requirement of documents to prove he or she is a practicing journalist -- the objectiveis to develop among members, particularly the seniors, that trust in the NPC as one they can proudly say they belong to.

March 29-April 4, 2010

Publisher:

RONALDO E. RENTA

Editorial:

TOTO CAUSING RONALD B. HERICO

Editor-In-Chief Associate Editor

Disclaimer:

All news articles and opinions expressed by the writers are entirely

their own and do not reect the opinion of the publisher, the manage

-ment or the editor of this publication.

No part of this publication may be copied or reproduced nor trans-lated in any language or form for commercial purposes without prior written permission from the publisher and its writers or columnists.

MAGDIWANGPUBLICATIONS

IF the survey of 7-Elevennationwide is the yardstick to determine who wins the presidential election, Senator Noynoy Aquino is the win-ner, Gilberto “Gibo” Teodorois in very far second place andSenator Manny Villar is instill farther third place.

A total of 265,552 gulps

have been registered as of

March 25, 2010 and 102,005

gulps were scored for Noynoy,or an equivalent of 38% over-all.In a very far second is Gibo

who had only 43,159 gulps at16%. Surprisingly, the high

est-nanced campaign of Vil

lar got only 37,861 gulps at

14%.Senator Dick Gordon is in

fourth place at 39,089 gulps

at 11% while former Presi-dent Joseph Estrada is farther

down for the fth place at

Noy is 38%, Gibo 16%, Villar 14%in 7-11 survey of 265,552 gulps

17,334 gulps 7%.Brother Eddie Villanueva

is in sixth at 8,644 gulps for

3%; Senator Jamby Madrigalin seventh at 4,311 gulps for

2%. JC delos Reyes had 2,494

gulps for 1%. Nicanor Perlashad 2,322 gulps at 1%.Those who picked the“undecided” compose 17,333gulps for 7%.

Noynoy tops all7-Eleven branches

It is noticeable that Noynoytopped the gulps in all branch-es of 7-Eleven stores Luzon-wide.In Angeles City, Aquino

leads at 29% with 2,546

gulps. In close second is Gibo

at 28% with 2,420 gulps. Vil

-lar is at 13% with 1,177 gulps.

Gordon is at 11% with 959

gulps.In Angono, Rizal, Aquinoalso leads at 38% with 417gulps. In far second is Villar at

17% with 190 gulps. In third

is Gordon at 12% with 135gulps. In fourth is Teodoro at

11% with 116 gulps. In fth isEstrada at 9% with 100 guls.

In Apalit, Pampanga,

Aquino 35% with 146 gulps;2) Teodoro 30% with 124gulps; 3) Villar 16% with 69

gulps; 4)Gordon 8% with 32

gulps; 5)Estrada 6% with 24

gulps.In Bacoor, Cavite, 1) Aqui-

no 33% with 927 gulps; 2)Villar 18% with 505 gulps; 3)Teodoro 15% with 410 gulps;

4)Gordon 11% with 311; 5)

Estrada 7% with 207.

In Baguio City, 1) Aquino

31% with 1634 gulps; 2) Te

-odoro 23% with 1223 gulps;

3)Villar 15% with 789 gulps;4) Gordon 11% with 597

Aquino 41% with 172 gulps;2) Villar 12% with 48 gulps;

3) Teodoro 10% with 40

gulps; 4) Estrada and Gordon

9% with 39 gulps apiece.

In Balayan, Batangas, 1)Aquino 51% with 215 gulps;2) Teodoro 18% with 74 gulps;3) Gordon 8% with 34 gulps;4) Villar 8% with 33 gulps; 5)

Estrada 7% with 28 gulps; 6)

Villanueva 3% 11 gulps.In Baliuag, Bulacan, 1)

Aquino 46% with 480 gulps;

2) Villar 13% with 132 gulps;3) Teodoro 12% with 131gulps; 4) Gordon 8% with 81.In Batangas City, 1) Aqui-

no 49% with 953 gulps; 2) Vil

lar 14% with 270 gulps; 3) Te

-odoro 13% with 245 gulps; 4)

Gordon 8% with 161gulps; 5)Estrada 6% with 113 gulps.

In Bauan, La Union, 1)

Aquino 54% with 393 gulps;2) Villar 13% with 99 gulps;3) Teodoro 10% with 77

gulps; 4) Gordon 7% with 52gulps.In Biñan, Laguna, 1) Aqui-

no 39% with 563 gulps; 2) Te

odoro 20% with 291 gulps; 3)

Villar 13% with 187 gulps; 4)Gordon 11% with 154 gulps.In Binangonan, Rizal, 1)

Aquino 47% with 456 gulps;2) Villar 16% with 158 gulps;3) Teodoro 1% with 104

gulps.In Binondo, Manila, 1)

Aquino 44% with 607 gulps;2) Villar 16% with 221 gulps;

3) Teodoro 13% with 175

gulps; 4) Estrada 9% with 121gulps; 5) Gordon 8% with 110

gulps.In Bocaue, Bulacan, whereEddie Villanueva hails, he is

only second at 26% with 64gulps. Aquino tops at 29%

with 71 gulps. Teodoro isthird at 15% with 38 gulps.Villar is in fourth at 12% with

29 gulps. Gordon is fth at6% with 16 gulps. Estrada isin sixth at 6% with 14 gulps.

In Bulacan, Bulacan, 1)Aquino 37% at 145 gulps; 2)

Villar 16% at 64; 3) Teodoro14% at 56; 4) Undecided 11%at 41; 5) Gordon 9% at 34; 6)Estrada 6% at 23.

In the entire CabanatuanCity, 1) Aquino 38% with

5,770 gulps; 2) Villar 19%with 2,949; 3) Teodoro 11%with 1,698; 4) Gordon 10%with 1,495; 5) Undecided9% with 1,332; 6) Estrada7% with 1,101; 7) Villanueva

3% with 385; 8) Madrigal 2%

with 242; 9) delos Reyes 1%with 201; and 10) Perlas 1%

with 145.In Cabuyao, Laguna, 1)

Aquino 36% at 249; 2) Villar

18% at 128; 3) Gordon 15%

at 106; 4) Teodoro 14% at 97;5) Estrada 7% at 48; 6) Villan

-ueva 3% at 24; 7) Perlas 3% at

18; 8) Undecided 2% at 16; 9)Madrigal 2% at 13; 10) delosReyes 0% at 2.

OYNOYAQUINO leads by a mile in theupdated resultof the survey of the members of the JuryismCampaign Netbook, at its site,http://philjury.ning.com, onthe question, “Who will you

vote for President in 2010?”

Noynoy registered 42%with 153 votes.

Noy also leads by a milein Philjury survey

And guess the second placer.Senator Dick Gordonlanded in second place with

104 votes for 29%, or 11%

behind Noynoy.Senator Manny Villar whois the biggest election spender in terms of advertisements andground campaigners landed

only in a tie for fth place at

7% with 24 votes. Brother Eddie Villanueva landed

in fourth place at 7% with 26

votes.Administration candi-date Gilberto Teodoro landed

in third place at 8% with 30

votes.The jury movement candi-date, Vic Velasquez, was sixthat 2% with nine votes. He was

disqualied, though, by the

Comelec.In a tie for seventh placeare Erap Estrada and Nick Perlas who both have 2% withseven votes.JC delos Reyes is at 1%with two votes.Among the candidates, Noynoy is the only onewho is consistent in hisstanding since Day One of the survey.In the early half of the sur-vey, Villar stayed in the No. 2spot. However, the late surgeof Gordon vaulted the former Olongapo mayor to shoot himto the second place at a bigleap from virtual zero.This Philjury survey, al-

though not scientic that con

-siders the plus and minus of errors, is nevertheless an af-

rmation of credible surveys

conducted by the SWS, PulseAsia, TNS and that of 7-Elev-en survey in all its stores na-tionwide.This survey is sponsored by the Hukuman ng Mamama-yan Movement Inc. (HMMI),one of the leading organiza-tions campaigning for the es-tablishment of the jury justicesystem in the Philippines.The jury justice system isthe most rigid owing to its na-ture that it cannot be boughtor terrorized by the warlordsand the rich.This is because the two

bodies of jury, the “s

-cal jury” or the one called“Grand Jury” in the UnitedStates of America and theTrial Jury are composed of people secretly chosen fromthe list of voters.The Grand Jury shall havethe power of contempt to im- prison witnesses who refuseor are afraid to testify andorder battalions of army to as-sist in criminal investigations.It shall have also the power toimprison by contempt any lawenforcers who would refuse toarrest the persons indicted bythe Grand Jury.The Grand Jury is a suc-cess story that it even inves-tigated then President BillClinton for oral sex scandal

at the Oval Ofce and then

President Richard Nixon for the Watergate Hotel scandalin relation to the Vietnam War he launched.The success of the jurysystem is proven by the 222years of experience in theUSA, marked by the reduc-tion to almost zero the seem-ingly insurmountable problemof discriminations among theWhites against the Blacks andother colored people.After 221 years, the USA produced a Black President,Barrack Hussein Obama.The jury system was born in England on June 15,1215 when the rebels compelled then Bad King Johnto sign the Magna Cartataking away from him the power to judge and giving itto the people by means of a jury. Since then, peace and prosperity reigned in Eng-land for centuries.One notable is that there isno poor among the countriesthat use jury system.The jury advocates of HMMI are hoping that thenext president shall supportthe installation of the jury sys-tem in the country.gulps.In Balagtas, Bulacan, 1)

To page 3

March 29-April 4, 2010

Please help bring respect to National Press Club

From page 1From page 1

Villar & Co. earned P42Bin housing scam

Noy is 38%, Gibo 16%, Villar 14%in 7-11 survey of 265,552 gulps

From page 1

In Cainta, Rizal, 1) Aquino

44% at 569; 2) Villar 15% at199; 3) Teodoro 13% at 164;4) Gordon 7% at 95; 5) Vil

lanueva 6% at 75; 6) Estrada6% at 71; 7) Undecided 3%

at 42; 8) Madrigal 3% at 35;

9) Perlas 2% at 20; 10) delos

Reyes 1% at 17.In Calasiao, Pangasinan, 1)

Aquino 48% at 410; 2) Villar 20% at 175; 3) Gordon 10%at 89; 4) Teodoro 9% at 74;5) Estrada 5% at 41; 6) Unde

-cided 3% at 27; 7) Villanueva

3% at 24; 8) Perlas 1% at 9;10) Madrigal 1% at 8; and 11)delos Reyes 1% at 6.

In Caloocan City, 1) Aqui-no 38% at 1,155; 2) Teodoro

17% at 504; 3) Villar 15% at449; 4) Gordon 11% at 340; 5)Estrada 6% at 187; 6) Unde

cided 5% at 150; 7) Villanue

va 4% at 126; 8) Madrigal 2%at 55; 9) Perlas 1% at 28; and10) delos Reyes 1% at 19.

In Candelaria, QuezonProvince, 1) Aquino 42% at

119; 2) Gordon 17% at 47; 3)

Teodoro 15% at 41; 4) Villar 12% at 33; 5) Undecided 5%

at 13; 6) Estrada 4% at 12; 7)Villanueva, 3% at 9; 9) delosReyes, 1% at 3; 10) Madrigal

1% at 2; and 11) Perlas 1% at2.In Capas, Tarlac, 1) Aquino

43% at 140; 2) Teodoro 24%at 79; 3) Villar 11% at 37; 4)Gordon 9% at 29; 5) Estrada4% at 14; 6) Villanueva 3%at 10; 7) Undecided 2% at 7;8) Madrigal 1% at 4; 9) delosReyes 1% at 2; and 10) Perlas0% at 1.

In Carmona, Cavite, 1)

Aquino, 34% at 109; 2) Villar,21% at 66; 3) Gordon, 13% at41; 4) Teodoro, 9% at 30; 5)Undecided, 8% at 25; 6) Es

-trada, 7% at 22; 8) Madrigal,

4% at 12; 9) Villanueva, 3%at 11; 10) Perlas, 1% at 4; and11) delos Reyes, 0% at 1.

In Cavite City, 1) Aquino43% at 337; 2) Villar 17% at

136; 3) Gordon 11% at 91; 4)

Teodoro 11% at 88; 5) Unde-

cided 8% at 60; 6) Estrada 6%at 46; 7) Villanueva 3% at 21;8) Perlas 1% at 5; 9) Madrigal1% at 4; 10) delos Reyes 1%

at 4.In Antipolo City, 1) Aquino

41% at 1319; 2) Teodoro 14%

at 447; 3) Villar 13% at 431;

4) Gordon 11% at 369; 5) Es

trada 8% at 269; 6) Undecided

5% at 152; 7) Villanueva 3%

at 96; 8) Madrigal 2% at 59;9) delos Reyes 1% at 44; 10)

Perlas 1% at 32.In Balanga City, Bataan, 1)Aquino 41% at 1282; 2) Villar

9% at 590; 3) Teodoro 13% at394; 4) Gordon 7% at 203; 5)Villanueva 6% at 190; 6) Un

decided 6% at 187; 7) Estrada

5% at 141; 8) Madrigal 2% at

66; 9) delos Reyes 1% at 24;10) Perlas 1% at 23.

In Calamba City, 1) Aqui-

no 39% at 1251; 2) Teodoro14% at 459; 3) Villar 13% at

411; 4) Gordon 12% at 385; 5)

Villanueva 7% at 228; 6) Un

decided 7% at 226; 7) Estrada6% at 188; 8) Madrigal 1% at46; 9) Perlas 1% at 31; 10) de

-los Reyes 1% at 23.In Gapan City, Nueva Eci-

ja, 1) Aquino 33% at 236; 2)Gordon 18% at 126; 3) Villar 15% at 105; 4) Teodoro 11%at 77; 5) Estrada 9% at 67; 6)

Undecided 7% at 53; 7) Mad-

rigal 4% at 30; 8) Villanueva1% at 10; 9) delos Reyes 1%at 5; 10) Perlas 1% at 5.

In Las Piñas City, HOME

OF VILLAR, 1) Aquino 30%at 1095; 2) Villar 26% at 946;3) Teodoro 16% at 597; 4)Gordon 10% at 375; 5) Es

trada 7% at 248; 6) Undecided

5% at 188; 7) Villanueva 3%

at 126; 8) Madrigal 2% at 61;9) Perlas 1% at 41; 10) delos

Reyes 1% at 28.In Makati City, 1) Aquino

40% at 7359; 2) Teodoro 18%at 3305; 3) Gordon 12% at2308; 4) Villar 11% at 2052;5) Undecided 8% at 1396; 6)Estrada 7% at 1207; 7) Villan

ueva 2% at 399; 8) Madrigal1% at 225; 9) delos Reyes 1%at 121; 10) Perlas 1% at 117.

In Malolos City, 1) Aquino

46% at 1025; 2) Teodoro 12%at 276; 3) Villar 12% at 275;

4) Gordon 8% at 181; 5) Un-

decided 7% at 167; 6) Estrada6% at 123; 7) Villanueva 5%at 105; 8) delos Reyes 1% at32; 9) Perlas 1% at 23; 10)

Madrigal 1% at 22.In Mandaluyong City, 1)Aquino 38% at 2583; 2) Te-odoro 18% at 1224; 3) Villar

13% at 905; 4) Gordon 12% at839; 5) Estrada 7% at 502; 6)Undecided 5% at 361; 7) Vil

lanueva 3% at 202; 8) Madri

gal 1% at 89; 9) Perlas 1% at45; 10) delos Reyes 1% at 43.

In Marikina City, 1) Aqui-

no 39% at 1988; 2) Villar 14%at 699; 3) Teodoro 14% at 693;4) Gordon 12% at 590; 5) Es

trada 7% at 346; 6) Undecided6% at 304; 7) Villanueva 4%at 215; 8) Madrigal 2% at 95;9) delos Reyes 1% at 62; 10)Perlas 1% at 50.

In Meycauayan City; 1)

Aquino 44% at 439; 2) Villar

14% at 145; 3) Teodoro 14%

at 136; 4) Gordon 11% at 106;5) Estrada7% at 66; 6) Unde

-cided 5% at 47; 7) Villanueva3% at 32; 8) Madrigal 1% at

15; 9) delos Reyes 1% at 12;10) Perlas 1% at 9.

In Muntinlupa City, 1)

Aquino 38% at 1362; 2) Te

odoro 16% at 569; 3) Villar 15% at 537; 4) Gordon 10% at369; 5) Estrada7% at 246; 6)

Undecided 7% at 235; 7) Vil-

lanueva 3% at 119; 8) Madri

gal 1% at 48; 9) Perlas 1% at31; 10) delos Reyes 1% at 22.

In Parañaque City, 1)Aquino 38% at 3243; 2) Te-

odoro 16% at 1397; 3) Vil

lar 16% at 1373; 4) Gordon11% at 968; 5) Estrada 7% at585; 6) Undecided 6% at 488;7) Villanueva 3% at 240; 8)Madrigal 1% at 127; 9) delosReyes 1% at 77; 10) Perlas1% at 49.

In Pasig City, 1) Aquino

40% at 5519; 2) Teodoro 16%at 2263; 3) Gordon 12% at1697; 4) Villar 12% at 1603;5) Undecided 7% at 972; 6)Estrada 6% at 842; 7) Villan

ueva 3% at 363; 8) Madrigal2% at 233; 9) Perlas 1% at119; 10) delos Reyes 1% at

113.In San Fernando City, 1)

Aquino 28% at 56, 2) Teodoro

27% at 53; 3) Villar 14% at27; 4) Gordon 12% at 24; 5)

Estrada 7% at 13; 6) Madrigal

4% at 8; 7) Perlas 2% at 4; 8)

Undecided 2% at 4; 9) delosReyes 2% at 4; 10) Villanueva

2% at 4.In San Jose Del Monte

City, 1) Aquino 33% at 580; 2)Villar 16% at 278; 3) Teodoro12% at 216; 4) Estrada 12% at203; 5) Gordon 11% at 201; 6)Undecided 7% at 126; 7) Vil

-lanueva 3% at 58; 8) Madrigal

2% 41; 9) delos Reyes 2% at31; 10) Perlas 1% at 24.

In San Juan City, 1) Aqui-

no 40% at 949; 2) Teodoro

18% at 417; 3) Gordon 13%

at 297; 4) Estrada at 11% at266; 5) Villar 10% at 234; 6)Undecided 4% at 95; 7) Vil

lanueva 2% at 56; 8) Madrigal1% at 28; 9) Perlas 1% at 18;10) delos Reyes 1% at 13.

In Santa Rosa City, 1)

Aquino 40% at 948; 2) Villar

14% at 344; 3) Teodoro 14%at 323; 4) Gordon 11% at 271;

5) Undecided 7% at 165; 6)Estrada 6% at 139; 7) Villan

-ueva 3% at 73; 8) Madrigal

2% at 45; 9) delos Reyes 2%at 42; 10) Perlas 2% at 41.

In Tanauan City, 1) Aquino

45% at 168; 2) Teodoro 12%

at 45; 3) Villar 11% at 42; 4)

Villanueva 9% at 33; 5) Gor

don 8% at 31; 6) Undecided6% at 21; 7) Estrada 5% at 20;8) Madrigal 1% at 5; 9) delosReyes 1% at 4; 10) Perlas 1%

at 2.In Tarlac City, 1) Aquino

45% at 168, 2) Teodoro 12%

at 45; 3) Villar 11% at 42; 4)

Villanueva; 9% at 33; 5) Gor

don 8% at 31; 6) Undecided;6% at 21; 7) Estrada 5% at 20;8) Madrigal 1% at 5; 9) delosReyes 1% at 4; 10) Perlas 1%

at 2.In Tayabas City, 1) Aquino

51% at 59; 2) Villar 15% at

17; 3) Teodoro 15% at 17; 4)

Estrada 6% at 7; 5) Gordon5% at 6; 6) Villanueva 3% at

4; 7) Undecided 3% at 3; 8)

delos Reyes 1% at 1; 9) Perlas

1% at 1.In Urdaneta City, 1) Aqui-

no 33% at 601; 2) Villar 23%

at 418; 3) Teodoro 17% at

310; 4) Undecided 8% at 151;5) Gordon 8% at 146; 6) Es

trada 6% at 119; 7) Madrigal

2% at 42; 8) Villanueva 2%

at 39; 9) Perlas 1% at 13; 10)delos Reyes 0% 8.

In Valenzuela City, 1)

Aquino 40% at 2968; 2) Te

odoro 16% at 1199; 3) Vil

lar 14% at 1039; 4) Gordon10% at 754; 5) Estrada 6% at449; 6) Undecided 6% at 434;

7) Villanueva 4% at 284; 8)

Madrigal 2% at 123; 9) delosReyes 1% at 85; 10) Perlas

1% at 78.In Concepcion, 1) Aquino

55% at 1460; 2) Villar 14% at381; 3) Teodoro 13% at 350;4) Gordon 5% at 129; 5) Un

decided 4% at 110; 6) Villan

-ueva 3% at 88; 7) Estrada 2%

at 53; 8) Madrigal 1% at 39;9) delos Reyes 1% at 29; 10)

Perlas 1% at 17.In Dagupan City, 1) Aqui-

no 39% at 1443, 2) Teodoro18% at 684; 3) Villar 18% at

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going up to 250T through

the years). This fund would be managed by the NationalHome Mortgage FinanceCorp. (NHMFC - an agencyof HUDCC). The NHMFCthen established quotas for al-locating the annual commonfunds of SSS, Pag-Ibig, andGSIS based on the buildingcapacities of registered de-velopers. The largest quotasevery year were for the Ca-mella and Palmera (C & P)company of Villar which got avery large chunk of the fundsfor their home mortgages.Within the annual quotasunder the law, builders couldsubmit completed mortgagesand NHMFC would promptly buy them at their face amountsand pay the builder. It was the builders who actively soldmortgages in the malls andeverywhere else, approvedthe papers, and submittedthem to NHMFC. NHMFConly checked to see that theamounts of mortgages sub-mitted by the builders werewithin their annual quotas be-fore paying; it did not check the credit-worthiness of the borrower or even if the paperswere genuine in that the stated borrower was a real personand the house being mort-gaged actually existed.The situation the law cre-ated was unique in the entireworld. The pooled funds of SSS, Pag-Ibig and GSIS wereeffectively put into the handsof developers, who built thehouses, found buyers willingto take out mortgages, approved the mortgages, sub-mitted them to the NHMFC,and got the money in a fewmonths. In effect, the builder controlled the credit fundsand approved the loans usingfunds that were not theirs butwere funds of SSS, Pag-Ibig,and GSIS.

This was a clear conict of

interest, for the builder would

maximize his prots from

easy credit and would not bear the cost of mortgage de-faults. Naturally, lots of prob-lems arose in just a few years

-- fake mortgages to ctitious

borrowers, nonexistent hous-es sold to nonexistent buyers,and the more common case:real, but substandard, houses,hastily sold to buyers whoclearly did not have the capac-ity to pay back the loan duringthe agreed loan period. By thetime HUDCC took action tocorrect the anomalous situa-

tion in 1996 under my coor

-dination, some 42 billion had been disbursed in mortgagesunder the Villar scheme. Only

a little more than 20 percent

of the loans were being repaid

by borrowers, more than 70

percent of the mortgages had been defaulted or were in seri-ous arrears.This drew the attention of the World Bank and the Dept.of Finance, for the SSS, GSIS,and Pag-Ibig Funds are retire-ment funds. The funds werecommitted to future retirementobligations to the contributingmembers. If the housing messcontinued, the SSS, GSIS, andPag-Ibig would default on itsretirement obligations, creat-

ing a nancial crisis for the

country.All of us who changedthe housing program to givethe control over their hous-ing funds back to the SSS,GSIS, and Pag-Ibig – theseagencies would be morecareful in screening mort-gages to make sure the bor-rowers would be paid for they would bear the penaltiesof mortgage defaults – wereall harassed by Villar and hisminions in the CREBA whoslapped law suits on us andattacked us in the radio, TV,newspapers, etc.The Makati regional trialcourt found the case in our favor and threw out the CRE-BA-Villar law suit. For a longwhile, we lost in the mediawars and were painted as anti- poor bureaucrats. But the furor eventually died down and thereformed housing program wefashioned has stood the test of

time. Since 1997, the repay

-ment rates of socialized andlow-cost housing mortgageshave remained high enoughto make the program sustain-

able. The looming nancial

crisis was averted and we arenow in better shape than theUS, which did nothing to re-form its own defective hous-ing mortgage system.Of course, the share pricesof C & P homes of Villar col-lapsed, for everyone knewthat the company was prof-itable only for as long as itcould bilk government funds.But then Villar found other rackets and the rest, as theysay, is history.3. Out-reaching to allother national media organi-zations, such as NUJP, PAPIand PPI, and forging closer alliances with provincial or community press organiza-tions -- the objective is toimprove the public relationsof the club before their eyes,which will, in turn, bring outa positive message to the public in general, and to beable to have a better chanceat achieving common goals.4. Instituting outreach programs to all college andhigh school journalists -- the purpose is to solidify positive belief in NPC as an organiza-tion of good and respectable journalists by showing actual proof that the public can seethrough the actual summits,conventions and seminars to be led or participated in bythe Club.5. Making bolder the ac-

tions in helping the ght for

justice for fallen journalists-- the purpose is the purposeis to help press for the wheelsof justice to keep on turning, particularly for those 32 whodied in the Ampatuan mas-sacre.

6. Making bolder the cam

- paign for the decriminaliza-tion of libel -- the purpose isto get a better chance of con-gressional approval of a newlaw making libel as a civilcase only with caps as to theamount of damages that can be sought by any plaintiff.7. Making bolder the campaign for the scrapping of right-of-reply bill -- the purpose is to keep the practiceof journalism from any ad-ditional repression schemes,intended or otherwise.These tasks are doable for the two-year term that I mayserve if I am given your man-date. I may add more pro-gram of actions as I continuemy campaign.In the meantime, I amrequesting you to give my plea your hard-and-longlook before deciding to voteand campaign with passionfor these causes to all NPCmembers you know.Should I win with or with-out your support, please con-sider this as my contract withyou that you can hold meresponsible later for breach,negligently or intently.Respectfully yours,Toto Causing