On the lavatory wall of a colleague’s flat in Hong Kong hangs a framed letter. It is written on HSBC notepaper, and dated January 22, 1998. “Dear Sir,” it begins. “Please note that we have had occasion to return your cheque due to insufficient funds in the above account. This state of affairs is most unsatisfactory and the practice of issuing cheques without first ensuring that there are sufficient funds to meet them must cease forthwith, otherwise it will be necessary for your account in our books to be closed.
我一名同事在其香港公寓的卫生间墙上挂了封装裱好的信件。信是用汇丰(HSBC)的信纸写的，日期是1998年1月22日。信这样写道：“尊敬的先生：谨请注意，由于上述帐户资金余额不足，我们不得不退回您的支票。发生这种事情让人非常不愉快，今后在签发支票前请您务必事先确认账户中留有足够资金，否则我们将被迫关闭您在我行的账户。您忠实的P•曼达尔(P. Mandal)，班加罗尔分行客户存款部助理经理。”
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