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If you are using "SELECT INTO" in procedure and you are not sure if the selected table will return a single row then you should use cursor. "SELECT INTO" can only handle a single row hence a cursor is used to handle if more than one row is return.
IN otherword, the procedure will throw an error if two records is return in a "SELECT INTO" statement.
Cursor is also a controlled mechanism if you are trying to process multiple records one by one where the value of each record will need to be evaluated prior to processing it.
I always use Cursor in Procedure, Package and Function too.