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Buhayin ko lang ang thread. Im on my 3rd tri and we didnt do this sa first born namin. kaya sa second baby namin, gusto ko na talaga sana kumuha. sa baby fair today meron sila offer na 12mos deferrred using credit cards like bdo bpi and metrobank or 12 pdcs.Total is 157,920/ 13,160 per month for 12 mos. Storage for 18 yrs.I havent inquired sa Stemcord.