rosaline koo: it hasn't been.or the same money you spend on insurance, our competitors are only offering insurance and we, for that same money, can make your employees healthy and save money and engage employees in changing the lifestyles. why not? it has not been difficult for us to convince employers. we are getting all of the text companies and now all of the banks. haslinda: what has been the most difficult part? rosaline koo: fundraising is one. starting from scratch to build something. i think a startup is like sprinting a marathon, but may be in the dark because you are uncertain about the future. you have to get traction. you have to get clients before you run out of money. part for usficult was getting the approval of the regulator and the regulator telling me that to get approval needed aition, i single shareholder. even though i had investors lined up, i couldn't use investors, i had to calm in my own money. i pump and $5 million along with bank loans for the acquisition in order to do it. that was a di

cxa's rosaline koo. >> growing up in a ghetto and -- in los angeles she always had to make quick decisionsas fight or flight. that something made her stronger and fearless when she decided set up her own company and go her own way. and now for this high flyer to join us on the singapore flyer to explain how and why we should transform the workplace. ♪ haslinda: welcome to "high flyers." you started cxa because he said employers are not maximizing the benefits for their employees. explain that to us. rosaline: to me benefits should be personalized to each and every employee. if you are young and healthy, you are not going to need a much insurance even though companies spent thousands. or if you're already married and your spouse is covering you, then it is a waste. why not allow the employees to personalize their benefits and decide for themselves how much they need? for someone young and healthy to go do yoga or pilates or mindfulness or travel, but someone married could use that money for pediatrics or maternity or dental. or also to exercise. we believe that this insurance money should n