Recently, many people have asked me how to smoothly navigate Hong Kong stock IPOs or buying U.S. stocks nowadays. My conclusion is that for small funds, there's no need to insist on traditional methods; the key issue has always been not opening accounts, but how to transfer funds out. Offshore accounts, foreign exchange quotas, wire transfer fees—these steps add up and essentially erode the principal continuously. Many people haven't even truly participated in the market, yet they've already borne the costs upfront.