Well, the most critical issue has not been mentioned here. Why in the first place, we came to this miserable position. We always talk about Lions Rock mentality. And it is this lack of perseverance in the people, the culprit here. Hong Kong used to sit on huge reserves, and just the annual income earned on this reserve would be able to pay for most social securies. No need to even collect any salary tax. The government then had always been prudent and confident, just spend a portion or fraction of the annual income on the reserves. In other words, do not dip your hands into the reserve. Thus, the reserve had been growing. Then, all the sudden, some smart politicians dipped their hands into the reserves, to gain popularity. The government is a lame duck, and just obgliged. Hence, the reserves had been squandered. So, now no more windfall money, to provide for social security. And too bad, this sort if security could not possibly be reduced, as that idea is not politically correct. Like every bubble era, people must tighten their belts. If not, we may follow Japan, a good example for us - living lavishly beyond their means. Lion Rock mentality is the way forward. Well, would our younger generation learn and correct their live styles? I have no solution. Well, I am very lucky as a retiree now. My years are being numbered. I made my contributions to HK in my days, as now I am staying overseas. Good luck.