背景:
X公司的人壽保險承保政策 (Underwriting Policy):
20歲的男人, 如果受保人有食煙, 最高保額為50萬. 保費$10000一年
20歲的男人, 如果受保人無食煙, 最高保額為100萬. 保費$5000一年

填表時:
M先生在 X公司買人壽保險, X公司的代理 A小姐問: M先生, 你有無食煙呀?
M先生回問: 咁點先叫有食煙先?
代理 A小姐答: 咁你一日食唔食到一包呀?
M先生答: 食唔到呀, 一日4-6LA
代理 A小姐答: 咁即係無食煙LA.

10年後, M先生死了:
保險公司賠償部人員 K先生: M太太, 根據你填的紀錄, 你有無食煙呀?
M太太答: 佢一日3-5支LA
保險公司賠償部人員 K先生: 咁即係有食煙LA. 雖然佢出左事, 咁我地的賠款會由100萬減到50萬, 另外, 你要俾番中間差額的$50000保費. 所以我地會賠45萬俾你 **
M太太話: 又話一日3-5支唔叫食煙, 代理 A小姐問我一日食唔食到一包WO

** 假設, 如果M先生食煙, 保險公司一樣承保, 只係加保費及減保障金額.

結論:
代理 A小姐違反了"Principal - Agency" Relation, 雖然當時佢 (Agency) 無權限代表保險公司, 答錯了問題, 所以保險公司 (Principal) 也要上身.
但根據最高誠信, 保險公司違反了最高誠信, 影響 "審慎的承保人" (Prudence Insurer) 決定是否承受風險及用什麼條款.

結果:
X公司要賠償. 賠款會由100萬減到50萬, 另外加回差額的$50000保費. 賠得45萬
因為如果不影響保險公司不承保, 只是加保費及加條款 ==> 補番保費差額, 以新條款賠付.

Donations

2012/13 Allocations

Organisation	Purpose	Amount (HK$'000)
Hong Kong Jockey Club Charities Trust Initiatives	To fund the Central Police Station Compound Conservation and Revitalisation Project — fifth tranche allocation	300,000
	To carry out a feasibility study on the proposed facilities and master plan for the landfill site at Tseung Kwan O	20,000
The Jockey Club Kau Sai Chau Public Golf Course Limited	To fund the construction of a Golf Academy at Kau Sai Chau – second tranche allocation	103,820
Hong Kong Sports Institute	To fund the conversion of the old athletes’ hostel into a multi-purpose training and coaching centre	103,200
Hong Kong Playground Association	Supplementary grant for the redevelopment of the Silvermine Bay Outdoor Recreation Camp	43,610
Home Affairs Department	To fund the enhancement and revitalisation of two community facilities identified in Sha Tin District	40,000
Po Leung Kuk	Supplementary grant for the redevelopment of the Pak Tam Chung Holiday Camp	30,090
Lei Yue Mun, Pokfulam and Tuen Mun Public Riding Schools	To fund their net operating deficits in 2013/14	17,730
Riding for the Disabled Association Limited	To fund its Rehabilitation Riding Programmes, and the Para-Equestrian Squad Programme at the Pokfulam and Tuen Mun Public Riding Schools for three years	16,480
Hong Kong Adventure Corps (HKSAR Chief Executive’s Community Projects List)	Supplementary grant for the renovation of the Hong Kong Jockey Club High Island Training Camp	14,160
Leisure and Cultural Services Department	To sponsor the 4th Hong Kong Games	5,000
The Hong Kong Football Association Limited	To fund the Hong Kong Jockey Club International Youth Invitational Football Tournament 2013 and the Asian Football Confederation u-14 Championship 2014 Qualifiers	1,440
Hong Kong Typhoons Ice Hockey Club Limited	To fund its Community Hockey Programme for underprivileged children for two years	830
Joint Association of Traditional Dragon Boats in Tai O, Hong Kong	To fund the organisation of the Tai O Traditional Dragon Boat Water Parade in 2013	365
The following agencies receive The Hong Kong Jockey Club Community Project Grant from the Trust for 2013/14
Hong Kong Special Olympics	To fund its Golf Development Project	1,177

DON'T GAMBLE YOUR LIFE AWAY

Statement on Responsible Gambling

The Hong Kong Jockey Club has a long-standing commitment to provide world-class horse racing, betting and sporting entertainment. The Club also has a long-standing commitment to provide betting in a socially responsible way.
The Club's gambling activities serve to bring social and economic benefits to Hong Kong. Most people gamble in a controlled way as a form of leisure or entertainment. However, a small but important proportion gamble to excess - both through legal and illegal channels - and can be considered problem gamblers, causing damage both to themselves and to society.
Problem gambling varies in severity, but frequently leads to family relationship problems; financial difficulties; job problems and a range of emotional disorders.

Warning signs

These signs can indicate that you have or may be developing a problem with gambling:

• Do you think about gambling everyday?
• Do you ever hide your gambling from people close to you?
• Do you ever feel guilty after gambling?
• Do you ever borrow money to gamble?
• Do you let bills go unpaid to get money for gambling?
• Do you chase your losses?
• Do you frequently gamble until the last dollar has gone?
• Do you frequently try to stop or cut down but find you can't?
• Do you find gambling affects your work or family life?
• Do you argue with others about the amount you gamble?
• Do you often gamble for longer than planned?
• Do you often gamble more than you can afford?

Guidelines for responsible gambling

Responsible gamblers keep gambling as entertainment by following these guidelines:

• Set and stick to a budget
• Only gamble what you can afford to lose
• Don't borrow to gamble
• Balance gambling with other leisure activities
• Don't chase losses

Where you can find help

If you think you have a problem with gambling, or know someone close to you who might have a problem, contact:
Hotline : 1834 633

Operation Hours of Gambling Counselling Centres and Hotline

The four gambling counselling centres commissioned by the Government operate the gambling counselling hotline (1834 633) so that more problem gamblers and other people affected by gambling can seek assistance. The gambling counselling hotline is managed by professional counsellors during opening hours of the four centres.

扶馬

第一場 72兔兒久待意何如 高文定守困
吾生有涯，學海無涯。
回頭是岸，日捱夜捱。
三十六着走為先，穿衣勿忘記穿鞋。
慈母固多敗家仔，交友不慎必學壞。

1誇惑 2董事長 3大將風速 4其樂無窮 5好精英 6好合意
7控惑 8瑞驥 9神霸金剛 10快寶駒 11好運有利 12龍城勇將
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第二場 61十二金牌速召回 十二金牌召岳飛
向前望，勿後看，能順應時勢，方屬英雄好漢。
荊軻一去不復回，易水灘前易水寒。

1尊皇速龍 2悅欣賞 3添歡笑4駿多樂 5東江神駿 6尚華盛甲 7豐華盛甲
8大眾良駒 9風度翩翩10逍遙駿將11好精伶 12龍東至尊 13明威 14曜豐泰
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第三場 24詩酒琴棋可解愁 白居易歸隱
力拔山兮，其氣蓋世，時不利兮，騅亦不逝。
楚歌犯夜唱，其聲倍淒厲。
兵離將散難逞勇，項羽垓下知勢危。

1金鹿 2勁酒王 3心花怒放 4樂家將 5愛頑皮 6星威威 7笑眼光 8赤壁武士
9自然旺家 10精英烈馬 11家家歡笑 12紫電明珠 13加州金鑽 14威祥
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第四場 51剪桐雖是作兒嬉 成王剪桐封第
人如蟻隊，車似流水。
一龍已去，二龍莫追。
胯下既有奇驥，衝鋒可作前驅。
詳乩靈感一到，有若鬼擁神推。

1小龍兒 2坪踪㨗影 3海嵐一號4幸運歡笑 5好好分 6圓融快馬 7爪黃飛電
8通勝9牛精叻仔 10共創輝煌 11好利勝 12大笑大少 13加有利 14驍武
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第五場 55浦號沉香遺舊恨 吳隱之投沉香
牛耕田，馬拉車，老豆賺錢，兒子享褔。
夫子在大陳，捱餓將飯討。
能屈能伸大丈夫，積少成多可開舖。

1喜欣賞 2勇進 3搖錢樹4好球 5皇龍大師 6海洋活力 7金刀銀鑽 8辣得醒
9飛翔星10瀟洒勁龍 11常盈多 12金鑾大殿 13勇先生 14繽繽紛紛
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第六場 47遙遙千里來西蜀 魯肅索荊州
發財要立品，得意莫欺人。
成功靠苦幹，日夕須辛勤。
愚公移山惠萬家，袓師以此勉同群。

1千杯豪情 2八心之煌 3超群名駒 4招財快駒 5喜蓮芳芬 6大眾福星
7新標誌 8飛龍 9狄奧圖 10長勝勇將 11帶運伯樂 12敏歡騰 13有綵
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第七場 69忠義存心官十載 韓文公祭鱷魚
醜事傳千里，好事不出門。
為政不在多言，救急刻不容緩。
為民請命只靠講，人有兩口應是官。

1泰山 2喜多屋 3陽光普照 4好主意 5智者 6共創美好 7勁新鮮 8贏到爆
9千利多 10勁贏創建 11勝利攻略 12多旺財 13揚威香江 14過關勇將
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第八場 49十年窗下苦功成 司馬相如題橋
情絲欲理，卻還紛亂。
白首未諧，難圓心願。
女媧可補情天，人算不如天算。
積褔自可獲天佑，有情人可大團圓。

1威爾頓 2加州萬里 3多名利 4將男 5信利多 6同個世界 7格哥兒 8智多飛
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第九場 15仙槎一葉泛中流 明皇游月殿
桂林山水，名聞天下，陽朔山水，更勝一籌。
一山還有一山高，世外最多是高人。
切勿羨人有富貴，須知日夕也辛勤。

1火箭飛陽 2川河首駒 3一馬當先 4碧科 5綫路明星 6綠色威 7大將風雲
8名駒 9聰敏不凡 10風采 11十二門徒 12大勇士 13帶寶來 14大合照
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第十場 38歸去來兮仕官閒 陶淵明辭官
葡萄美酒，夜光之杯。
輸完到贏，切勿心灰。
小注怡情切勿太貪，貪字成貧一去不回。

1一寶 2恩格斯 3跑寶貝跑 4牛精好友 5神舟十號 6友瑩格 7花月佳期
8勁勢 9風之子 10醒目波幅 11夢幻十一12美麗昇華 13金滿載 14寶寶飛龍
☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆
第十一場 12蜃樓海市幻無邊 太白撈月
既刻薄成家，富難傳三代。
苦肉計，推黃蓋，東風一旦到，曹瞞險遇害。
幸能守諾重信義，留得一命亦應該。

1新希望 2太陽好好 3好精神 4勝利之星 5慣勝福星 6牛精仔 7帝國勇將
8海鑽石 9川河猛駒 10幸運儀 11羅馬兵 12飛哥 13信心出擊 14總統之光