they are not that well educated but educated enough to know
what is bad debt and good debt. they know that life is much
more than paper qualifications. they have friends from all walks
of life because they know smart people comes in different color,
shapes and sizes. they are humble; wanting to learn from them every day.

they know how to find friendships and maintains them well. they
appreciate friendships afterall, we need to network to live.
thru friendships, people shared about their lifes and challenges
and thus, they learned from people's experiences. they pick up
all the bits and pieces and they know someday it will be a
great painting.

they know about "sek do" (in cantonese), knows-what-to-do in any
circumstances, such as what to say. when to say, how to say,
esp know how to respect people's privacy. they know exactly what
they want. they know what they need. they listen with empathy.
they are approachable and willingly to share what they understand.