People do not think very much about umbrellas. You carry one when the weather looks uncertain. You forget about it when the sky stays clear. Most days, it sits folded somewhere, untouched. 

It is only when it rains that you realise whether you have one with you. 

That is how Mr Jumadi Bin Abdullah describes the Singapore Mercantile Co-operative Society. He uses the word payong (umbrella in Bahasa Melayu) without much explanation, as if it is a behaviour everyone already understands. 

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