G challenges & Speaker ﹕ Ven Zu Ren Date : Dec 2006 Organizer: Ven Zu Ren ’ s short Biodata He has a Ngee Ann Polytechnic (Singapore) Electronic Engineering Diploma （ 1988 ） Graduate. 1991-1992,
（1）the economic free-falling (without a parachute / safety net ) of individuals and countries who used to be affluent and who once dreamed that their affluence would go on forever.
（2）people who lose their jobs when their company "downsizes" "shutdowns” or "outsource.”
（3）the sense of surprise（poverty can hit so suddenly）and loss of faith in relationships, corporation and government.
（1）with skills, knowledge and experience easily replaced by someone in another part of theglobe or new technology or new way of doing things （Self Manufacture→ Original Equipment Manufacturer (OEM)→Original Design Manufacturer (ODM)）.
（2）with overspending habits, poor saving and making bad investment decisions （FQ）, low EQ , low Social Intelligence/ people skill and unable or unwilling to learn new skills/ make positive changes in life.