studied in school before meeting kaijing and lena...i was studying with janice..coz of our upcoming POB test..scary...40 min essay question..haha..isn't it scary??hmm,anyway,yeah,gotta thank her a lot..she reallie tried to clarify alot of my doubts in POB..gotta make notes for banking..haha..if not reallie very messy..haha..i mean my notes..hmm..we joined the bball team..haha..even though we dun reallie noe how to play..just felt interested..so join loh..at least more life..haha..

was heading towards clementi mrt control station when we were stopped by the sales people from predential..asking us to save in predential..haha..hmm...snatching the business of the bank..haha..so how??maybe in future i will be jobless le..:( haha..perhaps i might be working in a financial instituitions in the future..perhaps..might be those kind of sales person liao..and i hate sales

reasons why predential is snatching the banking services:
1. it is a great way of diversification for them,reduce their losses and help get income.
2. since they had sufficient clients,they are able to get their clients to do some saving and gradually start up a new business line--saving plan they call it.
3. technology allows them to outsource and hence reduces risks they could have.somemore they have economies of scale in risk analysis (due to technology) and perhaps they have the funds.

all of the above are predicted and according to my study of banking..dun sue me if i am wrong..haha...study of banking reallie works in the real world in today's society..how cool...

then we talked about lots of lame lame jokes..haha..even continued after the movie with huixin..haha...lame..anyway,haha..janice told me the ans to the third panda question..haha..okok..let me ask you guys..what will the panda wish for if it were to have 3 wishes..haha..go ahead guess..woohoo~~