Ann: Quarterly Activity Report - revision, page-22

Pardon me again. But I don't get this borrowing for insurances. Somewhere along the line I have missed a turn in the road. I pay for my own insurances at home and I always thought that paying insurances was a part of doing business, it's supposed to come out of margin. I will have to go back and severely reprimand my lecturers and tell them they were wrong. Maybe though this is a new trend I will have to look it up on - What's it called ah Tok Tin I think. I still can't get the hang of this new stuff too bloody old. Oh shit all my lecturers are dead.