Investors should be wary of high fees and complex products.

用户的需求是我们前进的动力。

Let me explain. I think it would be very unusual for anyone here, or anyone watching, to be envious of the Queen of England. Even though she is much richer than any of you are, and she's got a very large house, the reason why we don't envy her is because she's too weird.

The future belongs to companies that can simplify complex things.

技术突破需要长期投入和耐心，不能急功近利。