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If you really study well the Ctos company you will know that their business is not only for issuing CCRIS. On the other hand, BNM temporary suspension for issuing CCRIS for all private company is due to security issue, they want to enhance the security system and reboot before remove the suspension. This is just a process to protect all users, BNM didn't suspend only CTOS for CCRISS and due to its security issue such as data leaking etc. Get panic and sell out is not for value investor.