Yifan@HK 发表于 2012-2-12 23:22 
you don't need to apologize for what you've made wrong coz you know nothing about it...but you do ...
Yes, you are right. I am new to pension. But, surprisingly enough, I do happen to know sth about actuaries and one of the simple lessons everyone should learn to be an actuary is being able to think, but most people do not do that. You always need to think before you do anything. I always think before I do anything. I ask questions about things I dont know, pension in particular. I apologize if I got wrong. I defend myself if I got mistaken. This is how people think and everyone should learn to think like this.
Sadly, I dont think you are one of those who really think. I may not be as smart as you people who lecture, but fortunately, I do know how to think. People who think never make naive assumptions. People who think do not lecture. People who think advise, rather than criticize. If I were one of your clients, I would switch to a different consultant. Keep this in mind. Never ever say anything before you think. Yes, I do want you to keep this in mind. And hopefully, you become a better actuary with this in mind.