Recently, many people have asked me how to smoothly navigate the process of applying for Hong Kong stocks or buying U.S. stocks. My own conclusion is that for small funds, there's no need to insist on traditional methods; the key issue has always been not opening an account, but how the funds are transferred 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 have already borne a round of costs.