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The real test of a bank is not how it performs in good times, but how it survives in bad times.

Each of us is the author of our own story, though sometimes we cannot control the ending.

【釋義】事先考慮好可能的問題，就不會陷入困境；提前做好準備，就不會陷入絕境。

Habit is habit, and not to be flung out of the window by any man, but coaxed downstairs a step at a time.