Furthermore, the malpractice of lending institutions was not closely monitored and corrected by supervising government agencies.

Their enthusiasm and commitment to making Hong Kong an even better place in the next century is a very valuable asset to all of us here in Hong Kong.

Their enthusiasm and commitment to making Hong Kong an even better place in the next century is a great encouragement.

In this conflict of emotions all I dare aver is that it has been my faithful study to collect my duty from a just appreciation of every circumstance by which it might be affected.