err not so complex ba.
err... *scratch head*
anyway when i lend money to people, i either dont lend or i expect
to 'give' liao. no point expecting people to return.
AHH but let's say.. u LEND liao.. but cos now lend money liao short
of cash, then u keep complaining to another friend why this friend
cannot manage their own money la, must borrow from people la, etc
etc.
