除了诱惑，我可以抵抗一切。

阅读就像爱一样，是一种行动。

So given a Time Turner, I would tell my 21-year-old self that personal happiness lies in knowing that life is not a check-list of acquisition or achievement. Your qualifications, your CV, are not your life, though you will meet many people of my age and older who confuse the two. Life is difficult, and complicated, and beyond anyone’s total control, and the humility to know that will enable you to survive its vicissitudes.

Preventing and resolving financial risks is the eternal theme of financial work.