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Apart from the development of the epidemic, fiscal and monetary policies of various countries, as well as their policies to help corporate clients overcome financial stress, also will hugely affect the bank's asset quality, he said.

Another example: market research and customer surveys can become proxies for customers – something that’s especially dangerous when you’re inventing and designing products. “Fifty-five percent of beta testers report being satisfied with this feature. That is up from 47% in the first survey.” That’s hard to interpret and could unintentionally mislead.

Another mission for the PBOC, Ming said, is to drive the interest rate of corporate loans closer to the fund rate that banks borrow from each other, also known as the interbank lending rate. That means the one-year LPR this month may be at a lower level than in August.

Another priority centers on the movement of people. Land crossings in the ASEAN region and on borders with China will be especially challenging, given the volume and long borders. As governments tighten the cross-border movement of people, consultation and information about controls are needed.

Apparently there’s more bodice-ripping going on in Montlake than we ever knew.