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Financial innovation must adhere to the bottom line of risk and should not evade supervision in the name of innovation.

History is, above all else, the creation and recording of that heritage; progress is its increasing abundance, preservation, transmission, and use.

文學是社會的鏡子。

Psychology is a science, and teaching is an art; and sciences never generate arts directly out of themselves.

I don't want to make things that are difficult for people. I want to make things that are easy.