It's hard to believe the author got his Ph.D. from Yale

1. 张磊 has the right to denote any money to anyone, even to his dog.

2. 对毕业生也就非常恭敬? Are you sure?

3. In US, if you cannot reply the money you borrowed, it's a default and it will be reported to a collection agency and your credit rating will be affected.

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