...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR

Page 1 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=1' data-page='1' class='cut-thumb lazyload' alt='Page 1: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/1.jpg' width='140' height='200' /> Page 2 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=2' data-page='2' class='cut-thumb lazyload' alt='Page 2: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/2.jpg' width='140' height='200' /> Page 3 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=3' data-page='3' class='cut-thumb lazyload' alt='Page 3: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/3.jpg' width='140' height='200' /> Page 4 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=4' data-page='4' class='cut-thumb lazyload' alt='Page 4: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/4.jpg' width='140' height='200' /> Page 5 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=5' data-page='5' class='cut-thumb lazyload' alt='Page 5: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/5.jpg' width='140' height='200' /> Page 6 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=6' data-page='6' class='cut-thumb lazyload' alt='Page 6: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/6.jpg' width='140' height='200' /> Page 7 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=7' data-page='7' class='cut-thumb lazyload' alt='Page 7: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/7.jpg' width='140' height='200' /> Page 8 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=8' data-page='8' class='cut-thumb lazyload' alt='Page 8: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/8.jpg' width='140' height='200' /> Page 9 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=9' data-page='9' class='cut-thumb lazyload' alt='Page 9: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/9.jpg' width='140' height='200' /> Page 10 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=10' data-page='10' class='cut-thumb lazyload' alt='Page 10: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/10.jpg' width='140' height='200' /> Page 11 <img data-url='document/-hkia-journal-is-published-by-pace-publishing-ltd-room-607-8-6f-blk-b-ming.html?page=11' data-page='11' class='cut-thumb lazyload' alt='Page 11: ...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022060222/5f07936c7e708231d41dabab/html5/thumbnails/11.jpg' width='140' height='200' />

...HKIA Journal is published by PACE Publishing Ltd. Room 607-8. 6/F., Blk B, Ming Pao Ind. Centre, 18 Ka Yip Street, Chaiwan, H.R. Tell 2897 1688 Fax: 2897 2888 B 607-608 FROM THEÆDITOR

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