We once had a poster competition in our fifth grade art class.

    “You could win prizes,'' our teacher told us as she wrote the poster information on the blackboard. She passed out sheets of construction paper while continuing, “The first prize is ten dollars. You just have to make sure that the words on the blackboard appear somewhere on your poster.”

    We studied the board critically. Some of us looked with one eye and held up certain colors against the blackboard, rocking the sheets to the right or left while we conjured up our designs. Others twisted their hair around their fingers or chewed their erasers while deep in thought. We had plans for that ten-dollar grand prize, each and every one of us. I'm going to spend mine on candies, one hopeful would announce, while another practiced looking serious, wise and rich.

    Everyone in the class made a poster. Some of us used parts of those fancy paper napkins, while others used nothing but colored construction paper. Some of us used big designs, and some of us preferred to gather our art tidily down in one corner of our poster and let the space draw the viewer's attention to it. Some of us would wander past the good students' desks and then return to our own projects with a growing sense of hopelessness. It was yet another grown-up trick of the sort they seemed especially fond of, making all of us believe we had a fair chance, and then always — always — rewarding the same old winners.

    I believe I drew a sailboat, but I can't say that with any certainty. I made it. I admired it. I determined it to be the very best of all of the posters I had seen, and then I turned it in.

    Minutes passed.

    No one came along to give me the grand prize, and then someone distracted me, and I probably never would have thought about that poster again.

    I was still sitting at my desk, thinking, What poster? when the teacher gave me an envelope with a ten-dollar bill in it and everyone in the class applauded for me.

    My sister and I grew up in a little village in England. Our father was a struggling lawyer, but I always knew he was special. He never criticized us, but used praise to bring out our best. He'd say, "If you pour water on flowers, they flourish (茂盛). If you don't give them water, they die." I remember as a child I said something unkind about somebody, and my father said, "Any time you say something unpleasant about somebody else, it's a reflection of you." He explained that if I looked for the best in people, I would get the best in return. From then on I've always tried to follow the principle in my life and later in running my company.

    Dad's also always been very understanding. At 15, I started a magazine. It was taking up a great deal of my time, and the headmaster of my school gave me a choice: stay in school or leave to work on my magazine.

    I decided to leave, and Dad tried to sway me from my decision at first, as any good father would. When he realized I had made up my mind, he said, "Richard, when I was 23, my dad persuaded me to go into law. And I've always regretted it. I wanted to be a biologist, but I didn't pursue my dream. You know what you want. Go fulfill it."

    As it turned out, my little publication went on to become Student, a national magazine for young people in the U.K. My wife and I have two children, and I'd like to think we are bringing them up in the same way Dad raised me.

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    China Merchants Bank Co Ltd has teamed up with ride-hailing major Didi Kuaidi to provide automobile financing and expand its reach in China's booming mobile payment industry.

    The two have inked a comprehensive partnership, which includes a strategic investment by the former in the latter. Under the partnership, CMB will become the first bricks-and-mortar bank that can offer in-app credit card payments to Didi users. At present, users of Didi can only choose third-party payment solutions like WeChat Payment and Alipay to pay cab fares.

    Zhao Ju, vice-president of CMB, said the cooperation with Didi was an important step in its mobile Internet finance strategy. “CMB's mobile payment is going to enter a new chapter by leveraging Didi Kuaidi's vast user base," he said.

    According to a report by China Internet Network Information Center earlier this month, Didi holds 87.2 percent of China's private car hailing market. The company said it has received 1.43 billion car-hailing requests on its platforms in 2015, which means 1.43 billion payments were made via smartphones.

    CMB is expected to use Didi to reach the core users of China's mobile payment market. Jean Liu, president of Didi, said many of the expats prefer payment by credit card rather than Alipay or WeChat. "The new partnership will help improve service quality and customer loyalty," she said. The investment makes CMB part of Didi's existing investors, including Tencent Holdings Ltd, Alibaba Group Holding Ltd and China Investment Corporation. Both of the companies declined to reveal the actual amount of the investment.

    Liu, who showed up on Tuesday for the first time in public after her treatment for breast cancer, said the cooperation with CMB is for the long run and "the capital investment is only part of it".

    Under the partnership, CMB and Didi will cooperate on a wide range of initiatives on financial services and online-to-offline cooperation. Apart from the in-app credit card payments, the two companies are going to launch joint credit cards in late February and automobile financing services for Didi's car owners. CMB's branches across China are expected to help Didi recruit more drivers.

    "There is a lot of room for imagination in our partnership," Li said, adding in future people may use their CMB credit card reward points to pay for the ride on Didi.

    Li Chao, an analyst with iResearch Consulting Group, said the partnership may not significantly boost CMB's mobile payment business. "Didi has educated the market for three years and its customers have formed the habit of paying by WeChat or Alipay. So I think CMB can only turn a very smart proportion of Didi users into its payment customer," he said. "But the move shows that China's traditional banking industry is finally thinking out of the box and looking for outside partners in Internet finance competition," he said.

    Statistics from Big-Data Research showed that more than 90 percent of China's 9.3 trillion yuan ($1.41 trillion) worth of third party mobile payment market is donated by Alibaba and Tencent.

    One of the United States' social problems is the breakdown of the two-parent family. Today, millions of American children grow up without fathers. Too often, these children lack the love and help they badly need and which they would ordinarily receive from not one but two parents. In the old days, American parents placed the needs of their children above their own. At present, however, nearly one half of all new marriages end in divorce(离婚), with often troubling results for their children. Worse, every year, thousands of teenage, unmarried Americans become mothers outside marriage. However, Chinese continue to value whole marriages. This is not to say that Chinese marriages are all perfect - they certainly are not, there are increasing more divorces in China - but the willingness of Chinese to set aside their own needs and stay together for the sake of the children is highly respected and worthy of study.

    Families are important to Americans. If one was to ask a group of Americans what is the dearest to them, the majority would say “family”. And yet, so many Americans spend much more time at work- that is, beyond the formal forty-hour work week - than they do with their own families. It seems to me that Chinese generally find a better balance between work and family needs than many Americans do. Average Chinese usually head home right after work，have meals together, and spend time with their family members. What's more, Chinese try to make more time for grandparents, uncles, aunts and cousins than many Americans; in many cases, multigenerational families live together. Of course, like many facts of Chinese society, this is all changing; increasing numbers of “New Chinese” are working longer hours and spending less time with their families than ever before. Still, while Americans do value their loved ones, I think we have something to learn from the Chinese about finding the proper balance between work and family.

    Everywhere I look outside my home I see people busy on their high-tech devices, while driving, walking, shopping, even sitting in toilets. When connected electronically, they are away from physical reality.

    People have been influenced to become technology addicted. One survey reported that “addicted” was the word most commonly used by people to describe their relationship to iPad and similar devices. One study found that people had a harder time resisting the allure of social media than they did for sleep, cigarettes and alcohol.

    The main goal of technology companies is to get people to spend more money and time on their products, not to actually improve our quality of life. They have successfully created a cultural disease. Consumers willingly give up their freedom, money and time to catch up on the latest information, to keep pace with their peers or to appear modern.

    I see people trapped in a pathological(病态的) relationship with time-sucking technology, where they serve technology more than technology serves them. I call this technology servitude. I am referring to a loss of personal freedom and independence because of uncontrolled consumption of many kinds of devices that eat up time and money.

    What is a healthy use of technology devices? That is the vital question. Who is really in charge of my life? That is what people need to ask themselves if we are to have any chance of breaking up false beliefs about their use of technology. When we can live happily without using so much technology for a day or a week, then we can regain control and personal freedom, become the master of technology and discover what there is to enjoy in life free of technology. Mae West is famous for proclaiming the wisdom that “too much of a good thing is wonderful.” But it's time to discover that it does not work for technology.

    Richard Fernandez, an executive coach at Google acknowledged that “we can be swept away by our technologies.” To break the grand digital connection people must consider how life long ago could be fantastic without today's overused technology.

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