在桂林学界迎会的演说，1922年1月22日

创新不仅仅是技术问题；它关乎改变思维方式和接受新的思考模式。

Banking is inherently fragile because it involves transforming liquid liabilities into illiquid assets.

The past is always there, but it's not the only thing that's there.

悲观主义者在每个机会里看到困难。乐观主义者在每个困难里看到机会。

"The truth is rarely pure and never simple."

I prefer liberty with danger to peace with slavery.