Hello, I have engaged an ID to fully take charge of the renovation for my 40 yo resale HDB flat. So far, I have paid 55% and ID is demanding the next 40% payment before they proceed with installation of cabinets and vinyl flooring. After checking the wall tiles in kitchen and toilet, find that the workmanship of the sub-contractor is undesirable. Can anyone tell me whether I'm too fussy or the workmanship is really poor? Pictures attached. Thanks & appreciate your feedback!