"Risk management is not about avoiding risk, but about understanding and managing it."

A wise man said: before you speak， let your words pass through three gates. At the first gate， ask yourself， "Is it true？" At the second gate， ask "Is it necessary？" At the third gate， ask， "Is it kind？"

在成本之前，击败市场是一场零和游戏。在成本之后，这是一场失败者的游戏。