[Can I drink tea with ganoderma]_Ganoderma _ drinking tea_Can you drink it?

Ganoderma lucidum is a precious Chinese medicinal material. The proprietary Chinese medicine is Ganoderma lucidum capsules, which have the functions of nourishing blood and nourishing qi, and treating neurasthenia.

It has special curative effect for those who suffer from loss of appetite, upset and disorder, and insomnia.

When some people eat Ganoderma lucidum capsules, they worry about whether they can drink tea and are afraid that tea will reduce the curative effect of the medicine. Is this the case?

Can I drink tea with Ganoderma?

These problems are mainly caused by our in-depth understanding of tea and ganoderma.

In ancient records of tea, in “Shen Nong’s Materia Medica”, “Shen Nong tasted Baicao, and when he encountered seventy-two poisons every day, he got it out of tea.
”

In addition, in some ancient records, tea was associated with medicine from the beginning.

A large amount of modern scientific research has confirmed that tea does contain biochemical ingredients that are closely related to human health. Tea has both refreshing and refreshing, clearing heat and relieving heat, digesting phlegm, removing tiredness and losing weight, clearing heart and annoying, detoxifying, rejuvenating, quenching thirst, reducing fireIt has pharmacological effects such as antidiarrheal and dehumidification, and also has certain pharmacological effects on modern diseases such as radiation disease, cardiovascular and cerebrovascular disease, cancer and other diseases.

Therefore, since ancient times, tea medicine has not been separated, taking Ganoderma lucidum capsules can safely drink tea.

Usually, we drink bogey tea mainly because tea has a detoxifying effect, in fact, it alleviates the effect of medicine.

However, Ganoderma capsules have a small molecular weight, so they can be safely incorporated.

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[No man can refuse such a tease]

The night was moving and the women at night were very charming.

On an intoxicating night, the beautiful woman who opened her heart bloomed a wonderful tenderness of summer.

With the intoxication of the night, it was still warming up slowly.

This is what appeared to hover and fall in front of him!

Provocative ways that your man can’t refuse (1) The voice will also say that the woman who loves you during the day is smart and beautiful, but the woman at night will certainly put these away.

Make yourself stupid, so you can fly in heaven.

Generally speaking, language communication is clearer and less prone to misunderstanding.

But because it is relatively straightforward, sometimes it is inevitable that it will “damage the atmosphere”.

Therefore, if you are in love, you can communicate in a “non-verbal” way.

For example: If you want him to move lightly, touch his cheek; if you want to slow down, push his arm . 1234Next page

Hang Seng Electronics (600570) Series Depth 2: Is the Transformation of Securities Asset Management IT System Affecting Geometry?

The difference between this report and other reports in the market is: first of all, to improve the specific role of core IT systems in the securities asset management industry, the main principles and division of labor, and then to replace the three major policy changes in 2019 and their impact on the transformation of information systems, And finally to the product reserves of Hang 苏州桑拿网Seng Electronics, and judge the company’s future growth.

2019: The year of the transformation of the securities asset management information system1. External access to the securities trading system is liberalized: On February 1, the Securities Regulatory Commission issued the “Interim Provisions on the Management of External Access to Securities Trading Information Systems (Consultation Draft)”, markingThe brokerage interface is open to the public again after almost three years.

The biggest demand side of internal opening is private equity investment and quantitative financial institutions. For the problems of scattered account management, low efficiency, and sensitivity to order speed, the external connection of the system will effectively improve investment management and product operations.

Both the broker-dealer and the private equity end will increase the demand for supplementary systems; 2. Public settlement fund brokerage settlement mode is changed to conventional: On February 16, the Securities Regulatory Commission issued the “Notice on the Matters Concerning the Conversion of Newly-established Public Fund Manager Securities Trading Mode””To transfer the new public fund manager’s securities trading model from a pilot to a conventional one, which will specifically bring demand for settlement systems, risk control systems and custody systems; 3, MOM rules are implemented: On February 22, the Securities Regulatory Commission issued the“ Securities》 Product Management Guide for Managers of Fund Management Institutions (MOM) (Consultation Draft). MOM products are invested and operated in the mode of parent account-sub account, but virtual accounts cannot be reset. Each sub account must follow the procedures inCSI opened an account to achieve breakthrough management.

Master fund managers need to establish a sound technical system to implement unified risk control and income settlement.

MOM products and each sub-asset unit need to be estimated and accounted for separately.

Therefore, with the landing of MOM product size, there will be a large number of supporting system requirements in the future.

The core of Hang Seng’s electronic card position, IT conversion has promoted the growth of external connections to the brokerage information system. Hang Seng has prepared mature Oplus securities investment systems and PBOX speed trading system products for private equity and brokerages respectively. At the same time, it must meet the requirements of the simulation environment test in the opinion draft.The company launched a comprehensive simulation test platform and launched it on the merger brokers. For the settlement of public fund brokers, the company took the lead in launching the institutional counter system at the first level, which has been launched in March 2018.

Based on the demand for IT from downstream financial companies, we understand that there are five main factors that affect the growth of non-bank financial IT companies: financial companies’ profitability (macro economy, market transaction volume), policy / rule changes, financial innovation, productsAlternative upgrades and incremental markets.

The pace of policy launch in 2019 far exceeds market expectations, and changes in the financial market will directly lead to changes in the securities asset management information system. Hang Seng Electronics, as an IT supplier of card core securities and asset management financial system core systems, will benefit first.Accelerating growth due to industry changes.

Expected company 2019?
Net profit attributable to mothers will be approximately 8 in 2南京夜网 020.

900 million, 11.

600 million, corresponding to PE is 59 times, 45 times.

Risk Warning: 1.

Risks that the policy implementation is less than expected, and the market share of new business expansion is less than expected; 2.

Risk of cost increases due to growth in personnel required for new business

Starting shares (603557) 2018 annual report comment: 18Q4 performance trend in hand with Alibaba layout new retail
The 18-year revenue increased by 4%, the net profit fell by 7%, and the 18Q4 net profit margin changed by 2018.9.9 billion, an increase of 4.43%, net profit attributable to mother 1.8.1 billion, down 7.05%, deducting non-net profit 1.4.3 billion, down 11.85%, EPS is 0.38 yuan, to send 10 to 0.4 yuan (including tax).The company’s lower-than-expected net profit was mainly due to the gap in cost increases.The lower growth rate of net profit was mainly due to the increase in the sales expense ratio and the increase in asset impairment losses. In terms of quarters, 17Q3-18Q4 company revenues increased by 10 each.58%, 11.51%, 4.06%, 9.50%, -2.20%, 5.82%, net profit increased by 4.66%, -5.43%, 9.15%, 7.30%, -2.45%, -38.78%.In terms of revenue, the 18Q3 company’s channel adjustments led to an improvement in revenue, and the 18Q4 revenue resumed growth, mainly due to the single quarter single store revenue growth4.03%; In terms of net profit, the sales expense ratio of the company in 18Q4 increased by 3.02PCT, asset impairment losses increased by 3708.77% to 900.92 mm results in a higher net profit level. Off-line revenue has grown steadily, and the division of the business that led to an increase in the growth rate of online revenue caused by the adjustment of the team: In 2018, the company’s ABCKIDS brand and shoe OEM business achieved revenue12.6 billion, 1.27 trillion, the same increase 2.39%, 16.51%.In 武汉夜网论坛 2018, the company’s ABCKIDS brand online revenue increased by 1.60% to 1.1.5 billion, offline income increased by 2.47% to 11.45 trillion, of which the offline extension of ABCKIDS total number of stores at the end of 18, 2397, the same increase of 0.04%, sub-segment of direct-operating channel openings, endogenous store single-store revenue increased by 2 as well.42% to 47.780,000 yuan. In terms of channels: In 2018, the company operated directly, and its distribution (including private label and OEM) channels achieved revenue1.3.2 billion, 12.5.5 billion, an increase of 4.34%, 3.48%, of which the sales revenue of private label increased by 2 as well.16%.The company’s direct-operated e-commerce channels realized revenue1.1.5 billion, an increase of 1.60%, a growth rate of +56 over 17 years.A significant reduction of 94% 夜来香体验网 was mainly due to the adjustment of the online team; the opening of 8 to 23 offline direct-operated stores contributed to a 27% increase in offline direct-operated revenue.33% to 1710.300,000 yuan; offline extension of offline own-brand distribution stores also decreased by 0.29% to 2374, the revenue of the distribution single store increased by 2.46% to 47.520,000 yuan, the optimization of channel structure drives revenue growth. By category: in 2018, the company’s children’s clothing, children’s leather shoes, children’s sports shoes, children’s shoes, children’s clothing accessories, footwear OEM and other income were 4 respectively.7.2 billion, 2.9.3 billion, 4.69 ppm, 1227.810,000 yuan, 1496.380,000 yuan, 1.2.7 billion, an increase of 5 respectively.19%, 15.23%, -8.46%, 83.22%, 60.82%, 16.51%.The company ‘s children ‘s shoes and apparel accessories have a high growth rate, mainly due to the above-mentioned categories of distributors in Jiangsu, Hubei, and Sichuan increasing gradually, while the online sales of shoes and accessories increase proportionally. Gross profit margin, expense ratio increased, inventory turnover speed indicator gross profit margin: the company’s gross profit margin increased by 0 in 2018.55PCT to 35.60%, in which children’s clothing, children’s shoes, footwear OEM gross margin increased by 2 respectively.37PCT, 0.06PCT, 3.25PCT to 38.15%, 38.47%, 12.26%, the company strengthened the control of wholesale discounts and improved profitability.17Q3-18Q4 company gross profit margins were 35.68% (+2.53PCT), 33.82% (-1.37PCT), 36.37% (+1.57PCT), 36.36% (+0.04PCT), 36.84% (+1.16PCT), 33.77% (-0.05PCT). Expense rate: Expense rate increased by 1 during 2018.94PCT to 20.66%, of which the sales expense ratio increased by 1.25PCT to 12.58%, mainly due to the expansion of sales scale; management expense ratio (considering research and development expenses) also increased by 0.23PCT to 7.48%, mainly due to the increase in the company’s consulting agency fee; the financial expense rate also increased by zero.47PCT to 0.60%, mainly due to the increase in corporate interest expenses. Other financial indicators: 1) The company’s inventory at the end of 2018 was 1.55 ppm, an increase of 16 over the beginning of the period.75%, mainly due to the increase in stocks of futures stocks of distributors, the increase in clothing and leather shoes inventory; 18-year inventory / income ratio11.08%, inventory turnover profit 6.26 and 17 are 9.93%, 7.32. The inventory turnover speed has improved. 2) At the end of 2018, the company’s accounts receivable increased by 24 compared with the beginning of the period.81% to 5.1.1 billion US dollars, mainly due to the expansion of sales scale, increased dealer support, 18 years of accounts receivable turnover costs.04 and 17 are 3.56, a year down. 3) Asset impairment losses increased by 196 in 2018.96% to 2080.680,000 yuan, mainly due to the loss of bad debts, the loss of inventory price losses increased. 4) The company’s non-operating income decreased by 12 in 2018.30% to 2932.450,000 yuan, mainly due to a decrease in government subsidies for ten years. 5) The company’s net cash flow from operating activities in 2018 was 6,356.450,000 yuan, down 53.52%, mainly due to the company’s sales of goods, the cash received for providing services has repeatedly decreased. Cooperate with Alibaba to create new retail projects and optimize the efficiency of the main business. In April 2019, the company announced a change in the fundraising project. It will integrate the marketing network and regional operation center construction projects to replace the new retail and new manufacturing projects.The company cooperates with the technical team of Alibaba Dharma Institute, using foot scanners, smart stores and other tools to achieve customized measurement-production-release business models of children’s shoes, that is, after the customer measures the foot shape offline, the company provides shoes selection through system data calculationSuggestions for selection, and the factory will produce children’s shoes that meet the customer’s foot shape. The company actively deploys new retail and optimizes the transformation efficiency of the industrial chain.The company actively introduces information technology, enhances the management level of the enterprise, builds an intelligent product management platform and a big data analysis platform, and plans to cooperate with Alibaba to transform its omni-channel digital capabilities to provide flexible production, sales forecast, product analysis, and new product development for the company.And so on to provide support.In the future, the company will build smart experiential stores and flexible factories, improve supply chain management capabilities, and accelerate product turnover. Expansion of distribution stores is expected to resume, and equity participation in Zehui Technology is involved in the cross-border e-commerce industry. We believe that: 1) In 2019, the company will increase investment efforts and expand blank markets.Single store revenue increased steadily.After the adjustment of the online team is expected to resume rapid growth through Alibaba channel resources.2) In 2018, the company strengthened the control of distribution discounts and the profitability recovered. It is expected that the company will continue to strengthen the control of terminal discounts and launch more high value-added and high gross profit margin products, which will continue to improve profitability.3) The company’s announcement in December 2018 intends to use 2.$ 10 billion acquisition of cross-border e-commerce company Zehui Technology11.43% shares, expanding business scope.Zehui Technology was established in 2003 and is mainly engaged in cross-border B2C online sales. Its products include clothing, shoes, hats, beauty, makeup, 3C electronics, etc., which are sold through international e-commerce platforms such as eBay and Amazon. Revenue from January to September 201812.7.8 billion, net profit 7867.980,000 yuan, promising a net profit of not less than 1 in 2019-20.5/2 billion.After the acquisition of Zehui Technology, the company will expand foreign sales channels and increase profit levels.4) In March 2019, the shareholder Bangao Co., Ltd. planned to use centralized bidding and planned to reduce its shareholding by no more than 2845 due to its own funds.440,000 shares, accounting for 6% of the total share capital. At present, the concentration of the baby shoes industry still needs to decrease. In 2018, the company’s children’s shoes market share was 3.6%, ranking first in the industry, the market share of children’s clothing is 0.5%, ranking seventh in the industry, and has increased market share.Regardless of mergers and acquisitions, taking into account the company’s new retail and other project costs, the expense ratio has increased, and we lower the EPS for 2019-20 to 0.44/0.50 yuan (previous average 0.53/0.60 yuan), EPS is predicted to be 0 in 2021.56 yuan, which currently corresponds to 24 times in 19 years. We are optimistic about the rapid development of the children’s shoes and apparel industry, the company’s growth space, and cooperation with Alibaba., Maintain “Neutral” rating. Risk warning: industry competition is intensifying, small non- lifting of the ban, and the number of newborns is growing less than expected.

Changshu Bank (601128): Net profit maintained high growth, small increase, small fearless squeeze

Event: On January 11th, Changshu Bank released its 2019 performance report with revenue of 64.

5 billion, a year-on-year increase of 10.

8% (-5.

7 pct), net profit attributable to mother 17.

9 billion, a year-on-year increase of 20.

7% (+3.

1 point).

ROE is 11.

71% (-91BP), ROA is 1.

09% (+ 8BP).

Defective rate is 0.

96%, a 南宁桑拿decrease of 3BP per year, provision coverage rate of 481%, an increase of 36 pct per year.

　　The proportion of individual loans increased significantly, but was not significantly squeezed by major banks.

Compared with 19H1 at the end of 19, the proportion of personal loans increased by 4.
.

0 pct to 53.

8%.

Among them, operating loans only contributed 1.

8 pct, another 2.

2 pct or mainly comes from consumer loans.

Most of the operating loans are below 1 million for a single household. The poor increase or the marginal pressure on the real economy may not be a squeeze on the bank.

As of 19Q3, a single loan of 1 million to 10 million was only 26%, and its average household size was only 2.36 million, which directly competed with Daxing or was less than 13%.

At the same time, in the first three quarters of 19, the increase in loans in this part was gradually increased in 18 years.
.

5 times, showing the squeeze out effect again.

　　ROE expanded due to the conversion, but remained in the upward channel.

In 19, “Changshu Convertible Bonds” completed the conversion, and the total share capital was +21 earlier.

12%, equity multiplier from 12.

4 about 10.

7; If the 18-year equity multiplier is maintained, the 19-year ROE should be 13.

56%, which is 1 higher than the actual value.

85 points.

ROA from 0 to 16 years.

It continued to rise after 88%, reaching 1 in 2019.

09%, mainly due to adjustment of business structure and reduction of provision pressure.

When the equity multiplier slows down, ROE may resume its upward trend.

　　The non-performing rate and provisioning level are significantly significant in the overall rural commercial bank.

The NPL ratio can be maintained at zero for 19 years.
96%, the provision coverage ratio at the end of 19 was 481%, an increase of 36 earlier.

2 pct, the loan-to-loan ratio increased by 21BP.
In 19Q3, the non-performing rate of Changshu was 44BP lower than the average increase of listed rural commercial banks, and the provision coverage rate was 178 pct higher than that. Its risk control level and risk resistance capacity were far ahead.

　　Profit forecast and estimation: The average number of loan households is only 400,0杭州夜生活网 00, which is different from the small and micro target markets of big banks, and the advantages may continue to be exerted.

EPS are expected to be 0 in 19-21.

65/0.

77/0.

90 yuan, the corresponding PB is 1.

44/1.

32/1.

22 times, giving a “recommended” rating.

　　Risk reminders: The macro-economy worsens than expected; accelerated exposure of small and micro business risks.

Drink the melon and duck soup for the first day

Winter melon can clear away heat and relieve heat, rejuvenate beauty, expel wind and phlegm, and when ducks are wet and poisonous when they grow up, the poisonous gas fades out when they grow up, instead they become “cool medicine”, which also has tonic effect. Come drink a bowl.

　　Practice: 4-6 servings.

Poached rice, washed barley and lentils, it is best to soak the barley 1 in advance?
2 hours; 2.

2. Wash the melon, keep the skin, simmer and kernel, cut into large pieces; 3.

Wash and slaughter the old duck, chop the pieces, and pick up the water; 4.

4. Wash the pig fan bones, chop them, and scoop up the water; 5.

Pour 10 bowls of water into a clay pot and bring to a boil. Add all the ingredients to the huohuo and boil. Turn to a simmering pot for two hours and season with salt.

　　Efficacy: summer heat and nourishing yang, strengthening spleen and dampness.

　　Gastronomy Science School’s summer solar term diet is mainly light and nourishing yin. The recent weather is often accompanied by heavy rain with high temperatures. The summer heat is damp, often spleen and stomach are trapped, and appetite is not good. Therefore, it is necessary to use diet to supplement and increase the replacement of nutrients to eliminate the summerThe purpose of getting tired.

Daily diet should be based on light, nourishing Yin food, that is, “Qing Bu”.

Laoya is the best supplement for summer. It is not only rich in nutrition, but also has the effects of nourishing the five internal organs, clearing heat from exhaustion, replenishing blood and water, and nourishing the stomach.

There is also a statement from the folks that “the great summer old duck wins a tonic”.

Old duck is usually used for soup, with lotus root, winter melon, mung bean, etc., has the effect of replenishing deficiency and reducing heat and nourishing sun.

If it is mixed with glutinous rice and glutinous rice, the effect of nourishing yang is better, and it can strengthen spleen and dampness, and increase appetite.

　　Here are some soups that are very suitable for the summer season: 200 grams of bitter gourd lean broth and 100 grams of lean pork.

Wash and cut the bitter gourds and slice them; wash the lean meat and filter the water, slice, and marinate with fat, salt and raw powder; pour the right amount of water into the pot and boil, cook the bitter gourd and pork, and add the right amount of saltSeasoned to eat.

Clearing away heat and clearing heat, detoxifying eyesight.

　　Winter melon lotus leaf mung bean soup 700g old melon, fresh lotus leaf half a piece, mung bean 100g, a small piece of tangerine peel.

Wash the melon, preserve the skin and kernel, and cut into large pieces. Wash the fresh lotus leaves and cut into strips. Wash and soak the mung beans.
2 hours; the rind is softened with water and scraped away the white peony; put everything into the pot, add the right amount of water to the boil and boil, turn to the medium and small heat pot for 2 hours, and adjust the amount of brown sugar to mix.

Clear heat and detoxify, and relieve heat and dampness.

　　Zucchini barley and old pigeon soup 800 grams of zucchini, 100 grams of raw barley, 1 small slice of fresh lotus leaves, 1/4 piece of old skin, 1 old pigeon, 150 grams of lean pork, 3 slices of ginger.

Wash and peel the zucchini and cut into large pieces;
2 hours; Wash the lotus leaves and fry them into strips; soften the peels with water; remove the old pigeons; wash and cut into pieces; wash and cut the lean meat; pour an appropriate amount of water into the pot and boil, and put in the rice, Old pigeon, lean meat, tan peel and ginger flakes, boiled for another hour after boiling the huohuo, boil another hour for the next section of melon and lotus leaves, and season with salt.

Relieve heat and dampness, spleen tonic.

　　It is best to choose old melon for Liangtangxinshui, and it is the strongest to relieve heat.

In addition, winter melon skin and winter melon kernels allow the elimination of traditional Chinese medicines for summer water, so keep them in the soup.

Acupuncture for Umbilical Care

After the summer heat, the weather is getting colder, and people have begun to gradually transition from heat protection and cooling to cold protection and warmth.

Everyone knows the reason that Han was born from his feet, but he noticed that his navel is also easily affected by cold.

The epidermis of the abdominal umbilical cord is the thinnest. There is no adult tissue under the skin, but it has abundant nerve endings and plexus, so it is particularly sensitive to external stimuli and it is the easiest to penetrate and diffuse.

If the protection is not proper, sometimes sleeping at night covers the abdomen, or the young and beautiful lady wears an umbilical outfit, cold air can easily penetrate the body through the navel.

If the cold air goes straight into the stomach, it will cause acute abdominal pain, diarrhea, and vomiting. If the cold air gradually accumulates in the lower abdomen for a long time, it will lead to diseases of the urogenital system, such as chronic prostatitis in men, prostatic hyperplasia, impotence, dysmenorrhea in women,Irregular menstruation, severe possibility of amenorrhea, infertility.

　　Therefore, in addition to adding clothing according to weather changes and covering the abdomen at night, you can also massage the belly button by rubbing the palms of your hands and placing them on the belly button, and rubbing them in clockwise and counterclockwise directions.Times.
If the cold accumulates day by day and the transformation is stubborn, you can also take crude salt (for pickles) 0.

5-1 kilograms, stir-fry the salt and place it in a towel-sewn pocket, and iron it on the belly button.

The beginning of children’s communication

When children want to be adults, it seems to be good for them to get along with other children who have the same thoughts.

Once their small organization is established, they will try their best to overcome outsiders or tease outsiders, thus making them feel lost.

For adults, this seems arrogant and cruel, but it is because we are used to using more sophisticated methods to express our objections, and children just organize their collective life by intuition.

This is a driving force for the smooth development of our civilization.

　　To make the child sociable, the popular person should cultivate the child’s communicative ability and become his flatterer.

Here’s what you should do in the first place: Don’t always count your children in the first few years after they are born; from the age of 1, you should give them more contact with children of the same age; give them the freedom to develop independence;You may not change your home or school; let your child interact with other neighbours as soon as possible, and let him be the same as other ordinary children in dressing, talking, playing, pocket money, and other privileges.

Of course, I’m not asking them to emulate the worst bad boy in the region.

Parents don’t need to take some of their children’s words seriously, somehow, what other children’s children can do and so on.

　　Whether an adult can normally interact with others at work, in the family and in the society, and to some extent, how he got along with other children in his childhood.

Even if children have poor English grades or bad attitudes in the middle of childhood, as long as parents demand high standards of their children and educate them with lofty ideals at home, they will form part of their personality and will show up in the future.

If parents are dissatisfied with their neighbors and their children’s partners, and create a feeling for their children, as if their children are different from them, and their children are not allowed to make friends with them, then when their children grow upIt is difficult to get along with anyone.

In this way, their high standards are meaningless to society and themselves.

　　If boys are having trouble making friends, then the most helpful way is to let them learn in schools or classes with flexible syllabus.

In this way, the teacher can properly arrange the teaching, and the brakes give the child the opportunity to use his ability to contribute to the class.

This makes other children appreciate his excellent qualities and start to like him.

An excellent teacher respected by the whole class will also praise the child in the class to increase the popularity of the child in the class.

If the teacher can arrange him to sit with a very popular student, or let him go with the student to do something near the school during the activity, then the child will make greater progress.

　　There are many ways parents can help their children interact with others at home.

For example, when children bring friends to play at home, parents should show a kind and friendly attitude.

　　Encourage your children to invite other children to dinner at home and make them what they consider “advanced” meals.

When arranging weekend trips, borders, excursions, movies and other performances at home, you can invite a child whom your child likes to go with.

However, this child does not have to be a friend that the parents think should be made.

A child, like an adult, has a profitable side, so it is easier to see the advantages of the person who invited him.

　　Parents certainly don’t want their children to have the fame of “buying” them with money, because this won’t last long.

All the parents need to do is take effective measures to provide their child with an opportunity to join a small group that has once turned them away because of small groupism.

In this way, if the child has excellent qualities, he will seize this opportunity to quickly establish a true friendship with his associates.