Walking into the world of entrepreneurs has never been easy for anyone,

　　especially for people who are used to working in great institution with

　　rewarding careers. We are truly thankful to friends and colleagues from DBS group, JP Morgan, Credit Suisse and Goldman Sachs who have given us their encouragement and faithful support. We would like to acknowledge our great friend, Ng Tee Khiang for his unconditional friendship and moral support. A special thanks to our assistant Angela Tian Yuan for her tireless effort in helping us. Finally, we would like to thank Horizon Media Co., Ltd for giving us the opportunity to share our knowledge with the readers.

　　Chong Chin Cheong

　　I would like to dedicate this book to my wife Bernice for her sacrifices made and total devotion to our family; my daughters Sara and Claire, for being such lovely and understanding children; and my parents-in-law, Dr Teoh Choo Keng and Mdm. Goh Lam Wee, for their years of selfless love for our family. This book was written when I was far away from them, in Shanghai. Although we were separated physically, it was the connection of hearts and minds that gave me the drive to finish this work.

　　Yee Chin Lit

　　To my wife Corinna, my four sons Shaun, Paul, Marc, Luc; and my mum whose unconditional support, love and understanding have enabled this book to become a reality.