银行4.0不是技术取代人类，而是技术赋能人类。

Digital skills are as essential as reading and writing in today's world.

The only way to keep the small folk loyal is to make sure they fear you more than they fear your enemies. 

The key to successful investing is to have a long-term perspective, a disciplined approach, and a clear understanding of the market and the risks involved.

Emotional decision-making is the enemy of good investment outcomes.

真正的领导力在于服务他人，而不是指挥他们。