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Nowadays, particularly in the United States, if you meet someone at the bottom of society, they may unkindly be described as a "loser." There's a real difference between an unfortunate and a loser, and that shows 400 years of evolution in society and our belief in who is responsible for our lives. It's no longer the gods, it's us. We're in the driving seat.

數字化轉型不是選擇題，而是必答題，銀行必須全面擁抱數字化。

"真相是一個影子，而影子是一個謊言。"

The tears of the world are a constant quantity. For each one who begins to weep, somewhere else another stops. The same is true of the laugh.

書籍是最安靜、最恒久的朋友；它們是最易接近、最睿智的顧問，也是最耐心的老師。