I think young people shouldn't be negative or afraid of facing difficulties. They should think positively and try to solve their problems. They should also seek help and advice from others if the problems become too complicated to handle alone. Adversity, when managed properly, will add colour to life.

Winner of November: Chu Chun-hong received a cheque from Mrs Angie Wong Yung Wai-fung, Manager, Wanchai Division, HSBC on 7th January 2005.