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Acknowledgement


                     We would like to thank Mr. C. H. Tung, the Chairman of Our Hong
              Kong Foundation, for his encouragement and support to the research of
              this report.

                     We would also like to express gratitude to the Foundation’s
              Executive Director Mrs. Eva Cheng, Deputy Executive Director and Head
              of Public Policy Institute Mr. Stephen Wong, as well as members of the
              Foundation’s Research Council:
                 Mr. Bernard Charnwut CHAN, President of Asia Financial Holdings
                 Limited;

                 Dr. John Chan, Deputy Chairman of Transport International Holdings
                 Limited;

                 Prof. Hsin-Kang Chang, Former President of CityU;
                 Mr. Sew-Tong Jat, Senior Counsel, Chairman of Minimum Wage
                 Commission;

                 Mr. Franklin Lam, Founder of HKGolden 50;

                 Mrs. Fanny Law, Member of Executive Council, HKSAR Government;
                 Prof. Chack-Fan Lee, Chancellor of Chu Hai College of Higher Education;

                 Mr. Antony Leung, Group Chairman and Chief Executive Officer of Nan
                 Fung Group;

                 Prof. Pak-Wai Liu, Research Professor of Lau Chor Tak Institute of Global
                 Economics and Finance, and Emeritus Professor of Economics, CUHK;

                 Prof. Chung-Mau Lo, Head, Department of Surgery, Faculty of Medicine,
                 HKU;

                 Prof. Francis T. Lui, Director, Center of Economics Development, HKUST;
                 Prof. Richard Wong, Chair of Economics, HKU;

                 Prof. Suk-Ying Wong, Associate Vice-President of CUHK;

                 Mr. Peter Woo, Chairman of Wheelock Holdings Pte Limited;
                 Mr. Joseph Yam, Executive Vice President of the China Society for
                 Finance and Banking; and

                 Prof. Eng-Kiong Yeoh, Head, Division of Health System, Policy and
                 Management. JC School of Public Health and Primary Care, CUHK


              for their participation and contribution in the discussions throughout writing
              this report.

                     In addition, the authors are immensely grateful for the valuable
              input of the many experts, scholars, professionals and stakeholders in this
              field of study, which are critical to the successful completion of this report.

                     We would also like to thank Michael Chu, Jonathan Ng, and Mark To,
              members of OHKF research team, for their research efforts.


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