If we carefully analyze the process of interest rate negotiations during the year, it is not difficult to find that when Donald Tsang first took office, the original plan of the Federal Reserve remained basically unchanged, which was to cut interest rates after September. Under Donald Tsang's operation in the past one or two months, the expectation of interest rate cuts has been continuously moving forward, pointing to May, and the lower limit of interest rates is also changing. There is even an option to cut interest rates by 125 basis points by the end of the year. So for individual investors, it's more important to wait until then!