After reading the following passage, you can understand why he lied after a careful understanding.

The insurance company's lies!

I used to be a salesman of Wenzhou China Life Insurance Company. I have read many articles about insurance on the Internet recently. Let me explain the current situation of the insurance industry. After careful reading, you will benefit for life.

1, the insurance salesman conservatively estimated that 30% was cheating customers. This includes intentional and unintentional.

The high elimination rate of insurance company salesmen is extremely irresponsible to customers.

For example, someone later found himself cheated by an insurance salesman and complained to the insurance company. At this point, the salesman has left. At this time, even complaining is "a blind man lighting a candle in vain." Many salesmen stay in insurance companies for only one month, less than 7% in two years and less than 2% in five years.

At present, almost all insurance companies in China have a unified standard when making mistakes: "Now the insurance industry in China is not standardized, and we are still learning" to excuse ourselves. We might as well ask: "You are studying, should the client pay the tuition for you?" This robber logic has become an unwritten rule of all insurance companies. This sentence was said ten years ago and remains unchanged today.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the written terms of the contract are unilaterally formulated by the insurance company, and some written terms have multiple interpretations. So once a lawsuit is filed, the customer will suffer. Insurance claims are more troublesome. Insurance companies are not so simple to settle claims, and 80% may go to court. In other words, once you sign an insurance contract with an insurance company, the probability of you going to court with this insurance company is 80%. Unless you give up the claim, the success rate in this 80% is probably 15%, because there are many explanations in the written terms of the insurance contract, and the normal claim is 20%. Therefore, the insurance contract can be settled normally.

3. Dividend insurance: Dividend insurance is not better than bank interest, but it turns "living money" into "dead money". Most of the insured will feel cheated and surrender within three years. During the contract period, the insurance company will deduct a considerable amount if the customer wants to cancel the contract. The bank only calculates the current fixed interest. So this insurance is the most profitable insurance for insurance companies. Unless you need this insurance because you have too much money to spend or money laundering, most people don't need this insurance. Its best function should probably be money laundering. Naturally, it has become the favorite of corrupt officials, washing those "black money" of unknown origin into "legal" income in the name of their children. Insurance companies also provide them with the best places. The so-called "insurance" is used to resist risks. It is to use "a small amount of money" to resist the biggest risk, not to manage money, and it is even more impossible to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers of money in the name of insurance. Any salesman tells you the financial value of insurance, and you can immediately pick up the teacup (what for? Fujian! )。 Insurance is for hedging, remember.

For example, an acquaintance of mine bought 200,000 "China Life Millennium Financial Management" for his son to bribe officials. Insurance has become the best money laundering tool.

4. critical illness insurance guarantees death, that is to say, if a person's disease matches a certain disease in critical illness insurance, that person is a "dead end". If you want to buy this kind of critical illness insurance, it is better to buy life insurance accident insurance (life value insurance, which also protects your life), because the effect is the same, but the premium paid is much less. For example, for a 30-year-old PICC, the 300,000-year critical illness insurance insurance premium is more than 8,000 yuan (you can get a little money when you surrender), and the 300,000-year personal accident insurance premium is more than/kloc-0.000 yuan. If you are responsible for your family, you can take out personal accident insurance and have the least disputes with insurance companies. In critical illness insurance, for example, insurance companies earned a considerable sum of money from currency depreciation and the amount deducted when they surrendered their insurance. Therefore, the more money you pay, the more money the insurance company will earn. More than 8,000 yuan is paid for 20 years. What is the digital concept of 1000 yuan per year?

Note: At present, the accidental death rate in China is less than 3/10,000 per year, which is about 3,300 times when 1 00 is divided by 3, and 100 multiplied by 3,300 is 330,000, which means that life insurance accident insurance is already profiteering, not to mention other types of insurance.

For example 1: My friend's father can't speak after a stroke, but he can understand, and his body is paralyzed. Find an insurance company to settle claims (there is aphasia in critical illness insurance. Note: aphasia refers to aphasia caused by the damage of the speech central nerve of the brain). The insurance company refused to settle the claim on the grounds that he still understood, had sign language and didn't make a slip of the tongue. Mom can't talk, and she doesn't understand the difference between a vegetable and a dead person. It turns out that critical illness insurance is guaranteed to die. Can the written terms in the contract be interpreted in many ways?

For example, the insurance policy says "cancer in situ is not covered". Cases in which cancer cells have not spread are not covered by insurance. Why should the insurance contract use the professional medical term "cancer in situ"? Nothing easy to understand? The purpose of the insurance company has to be doubted.

For example, insurance companies have formulated insurance clauses such as "malignant tumor claims do not include cancer in situ, and renal failure must be irreversible bilaterally". Most of the major diseases that can get insurance claims are patients who are more inclined to euthanasia than any insurance claims. Don't be confused by the name of the insurance.

Word games in contracts:

For example, according to Corning's life insurance clause, "heart disease (myocardial infarction)". Heart disease equals myocardial infarction. The fact is that heart disease cannot be equated with myocardial infarction. The concept of heart disease is far greater than myocardial infarction. Put myocardial infarction after heart disease and put it in brackets. Putting heart disease (myocardial infarction) together is a big trap. If there are one hundred kinds of heart diseases, then myocardial infarction is only one of them, and only one in ten people has the three diagnostic conditions of myocardial infarction in Corning clause. So how big can this guarantee be? Think of it as a heart attack when you take out insurance, and a heart attack when you pay for it. It can be seen that insurance is fraudulent.

It costs money to see a doctor, and it costs a lot of money to get seriously ill As a result, more and more people choose to buy critical illness insurance, hoping to get some help from insurance companies when they are unfortunately sick. People's wishes are simple and beautiful, but I remind you that it is really difficult to meet the conditions of "serious illness" stipulated in the insurance clauses, and it is even more doubtful whether you can get compensation in your lifetime. In addition, with the development of medical technology, many treatment methods and means written in insurance contracts have been or will not be selected by doctors. Therefore, when purchasing critical illness insurance, you'd better consult a doctor to see how far your expectation is from the promise of the insurance company.

Instead of saying that critical illness insurance is "a royal banquet with 181 glasses of wine." It's better to say, "It's actually the boiling water mixed with Erguotou." It is a lie.

5, some are not insurance but savings. Pay 30 thousand now and 60 thousand ten years later, but you have to read the contract clearly. Will there be 60 thousand ten years later, or you will regret it. Remember! The so-called "insurance" is used to resist risks, not to manage money, and we can't even try to make money with insurance.

6. Insurance companies cheat salesmen and salesmen with low quality, and put pressure on salesmen to make achievements without explaining the contract terms clearly to them or the salesmen still don't understand the contract terms. Salespeople can only cheat customers, one by one, and then leave. Sometimes companies deliberately provoke the jealousy of salesmen, which may also be a means of "encouragement" for them. Sometimes they teach salesmen to cheat customers, and those ignorant salesmen really listen to them.

For example, in recent years, Wenzhou people buy more than 30 million dollars of insurance from overseas insurance companies every year.

The insurance company asked the salesman to tell the customer, "If you don't go out to buy insurance from an overseas insurance company, this insurance contract is invalid. Once you go to court with overseas insurance companies in the future, the China government will not help you. "

Analysis: The insurance contract is a commercial contract, and the China municipal government has no choice. China fishermen were killed by the Philippine Coast Guard in Nansha, China's so-called territorial waters, but they can't help you. I hope I can help you with your lawsuit abroad. Forget it. Whether the contract is invalid is not the decision of the insurance company, and commercial contract litigation can only be filed in the court where the insurance company is located. Don't insurance companies understand this? The purpose is to deliberately create panic for others.

It's no use complaining to the insurance company. Insurance companies are thieves, salesmen are thieves, and thieves will cover up thieves. What's more, they share the stolen goods.

For example, the maximum commission for some types of insurance can reach 50%. In the first year, the customer went to the insurance company to sue, and the result of the insurance company's handling was that the amount deducted by the insurance company was 50% for the customer and 50% for the liar salesman. This treatment means that the swindler salesman has no loss, and the reason for the result is that the customer has to bear certain responsibilities and has not read the contract. How many people can understand an insurance contract like a book? In their dictionary, there is no "fraud", only "misleading" At present, there are more than 2 million insurance practitioners and10 million insurance company salespeople who ignore national laws. Isn't this a national disaster? I'd like to remind you that you'd better prepare a camera when you buy insurance, so that you can obtain evidence in future lawsuits. )

Attachment: Since "the reason for handling the result is that the customer has to bear certain responsibilities and has not read the contract", why not state in the insurance contract that "the oral explanation of the insurance salesman is invalid, and the behavior of the insurance salesman does not represent the behavior of the insurance company. The insurance liability is subject to the contract. " This shows that insurance companies condone the fraud of insurance salesmen.

8. It is a marketing strategy for insurance companies to increase their employees in large numbers. According to the data on the internet. In 2004, there were10 million people in China who used to be salesmen of insurance companies. These brainwashed people come to the society to make free advertisements for insurance companies, and these brainwashed people have to pay.

9. Play word games in insurance contracts. Every word that appears on the insurance policy may become the final "trap". Words like "he" are wonderful.

Example 1: Miss Wang bought an insurance package from an insurance company with 500 yuan in March 2000, and it has been renewed for five years. At the end of May this year, she had a retinal detachment repair operation in Beijing Third Hospital, which cost more than 3,000 yuan. After leaving the hospital, Miss Wang asked the insurance company to pay 2500 yuan according to the insurance she bought. However, the insurance company stipulated in the claim clause 1 19 that "retinal vitreous surgery belongs to the sixth compensation level", so the insured must do the above two operations to enjoy this claim. Not only the retina, but also the vitreous, both of which are indispensable.

Example 2: At the beginning of 2005, when Mom Mao was doing an annual physical examination, she was unfortunately diagnosed with early symptoms of pancreatic cancer and needed immediate surgery. According to the terms of the previous insurance, if the mother suffers from cancer, she can apply for hospitalization and operation allowance when she is hospitalized, so Mao found the agent Li who insured them at the beginning, and Li immediately said that they would handle it properly, but "it needs to be reported to the headquarters". Mao had to wait because the hospital repeatedly urged him to operate on her mother. Mao Zhiping had to urge Li again and again, but Li, the agent, always used studying as an excuse. Mao Zhiping began to feel something was wrong, and then began to feel "uneasy". After the word "wait" was erased by 65,438+10,000 yuan, the unbearable Mao Zhiping went directly to the insurance company. A manager surnamed Zhang met him and later said, "This situation cannot be compensated." Manager Zhang unhurriedly took out Mao's insurance policy, which clearly stated cancer. After hearing this, Mao was dumbfounded. For a long time, he thought that the meaning of the word "wait" included those listed above, as well as those not listed. At that time, Li, the agent, also vowed that no matter what cancer can be cured, why did he suddenly change his mind? However, Li Jian insisted that he had been informed of this situation at that time. Mao Zhiping had no evidence to prove the insurance company's promise at that time, only the dumb ate coptis chinensis-he just didn't understand why he had to wait since there was no claim outside. It's like a word game, and it's a bit of a brain teaser. The premium of 10 thousand yuan becomes the tuition in this game.

10, in western developed countries, it takes hundreds of years for an insurance company to develop healthily before it can become the top 500 in the world. (In the United States, there is an insurance company that has entered the top 500 in the world called Putianshou Insurance Company. It took 120 years to enter the top 500 in the world. )。 It took only six years for China Life Insurance Company to become one of the top 500 companies in the world (with assets ranging from 1000 billion to 600 billion).

1 1, if you are cheated, you can take the evidence to court. China Insurance Regulatory Commission? Ha ha! Give it a try! Come to the forum to post if there is no evidence. Warn others against insurance fraud. There are many insurance frauds now, so please take precautions.

Limerick "insurance"

Insure parents' hearts. That's bullshit.

Don't worry if you have no money, but money will always haunt you.

It is difficult to settle claims, but urgent to urge money.

If you are cheated, there is no way to sue.

I feel depressed after buying insurance.

The terms in the contract are purely a game.

I died of a serious illness and cheated you with dividends.

Prison guards are nominal, and protection is purposeful.

There is fraud in marketing, so everyone should be on guard.

Uncover the seven deadly sins of critical illness insurance.

The premium in critical illness insurance is generally around 4,000 yuan per year. People pay so much money in the hope of getting a "timely help" when they encounter a major illness, but the insurance company's reply is often refusal to pay compensation. By interviewing several medical experts and insiders, scientific investment revealed the seven deadly sins of critical illness insurance.

In the financial planning of many families, health insurance, especially major illness insurance, is an essential insurance, and people hope to add a guarantee for themselves in advance in this way. However, one of the main characteristics of insurance products is that the rights and responsibilities clauses are professional and the price composition is complex. Especially in the judgment of claims in critical illness insurance, there are many professional medical terms that most people can't understand. The insurance clauses of some insurance companies take advantage of this and turn critical illness insurance into "death insurance" in practical sense. In other words, unless the insured dies, according to the exemption clause in the statement, it is impossible for the insurance company to compensate the patient.

By interviewing several medical experts and insiders, Science Investment exposed several crimes in critical illness insurance. I hope that the insured can find out the following questions before taking out insurance, so as not to fall into the insurance company's trap of no compensation.

Critical illness insurance's first crime:

Compensation according to death rather than serious illness

This happened to Dong, a citizen of Taiyuan. His wife, Wang Mao, died in April 2003 when she was taken to the hospital for brain stem bleeding. Apart from being sad, Dong was slightly gratified that his wife bought a long-term health insurance in Taiyuan Branch of Pacific Insurance Company in 2000. After his wife died, Dong consulted a doctor and learned that brain stem hemorrhage is a kind of stroke, and stroke is only one of the major diseases listed in the insurance contract. According to his understanding, this means that for the death of his wife, the insurance company has to pay according to the major illness. According to the agreement in the insurance contract, the insurance amount of major illness compensation should be 30 thousand yuan.

However, when Dong went to collect insurance money, the insurance company only agreed to pay 6,000 yuan for death insurance. Insurance companies believe that there is a clear definition of stroke in the terms of the contract. Stroke refers to a person's permanent neurological dysfunction due to sudden changes in cerebral vessels, leading to cerebral hemorrhage, cerebral thrombosis, cerebral embolism and cerebral infarction. The so-called permanent neurological dysfunction refers to those who are still in a vegetative state after being identified by the brain experts of medical institutions recognized by the insurer 6 months after the accident: 1; 2. Complete loss of function of more than one limb; 3, more than two limbs movement or sensory disorders and life can not take care of themselves. That is to say, if you want to claim compensation according to stroke, you must meet these three conditions at the same time and reach the prescribed time of 6 months, but the situation of the insured Wang Rongxian obviously does not meet the conditions of stroke in the insurance clause. So it's not a serious illness. According to the contract, only 6000 yuan can be paid according to death.

In many insurance companies, the compensation amount of death insurance money is stipulated by most companies, but some companies stipulate that "death insurance money" is: refund the insurance premium paid. If the insured amount is the same and the price is the same, the insured amount will not be compensated at the time of death, but the fee will be refunded, which is equivalent to the three insurances that customers should enjoy.

The item of "death" was taken out of responsibility out of thin air, which is obviously unfair to the insured.

Critical illness insurance's second charge:

The operation method does not conform to the present situation.

On1October 9, 2005, 165438, Dong Hongsi obtained 65438+ 10,000 yuan of critical illness insurance money from Kunming Branch of China Life Insurance Co., Ltd. From June 5438 to1October 2005, 42-year-old Dong Hongsi suffered from "acute necrotizing pancreatitis. After leaving the hospital, Dong Hong remembered that she bought "China Life Kangning Critical Illness Insurance" in a life insurance company two years ago. The annual insurance premium is 50 10 yuan, and the insured amount is 100000 yuan. And his "acute necrotizing pancreatitis" is one of the 2 1 major diseases agreed in the insurance. So he filed a claim with the insurance company, but the insurance company refused to pay.

Regarding Dong Hongsi's query, the insurance company's explanation is: "According to the insurance clause, the compensation standard for acute necrotizing pancreatitis is: diagnosis of acute necrotizing pancreatitis; Surgical treatment of necrotic tissue removal, lesion resection or partial pancreatectomy is needed. The insured has not received lesion resection or partial pancreatectomy this time, and has not yet reached the compensation conditions in the clause. It is recommended that the critical illness insurance be temporarily not paid. "

Dong Hongsi's doctor said that there are two treatments for acute necrotizing pancreatitis: conservative treatment and surgical treatment. Seriously ill patients need surgery. At present, the main surgical treatment is drainage. Perfusion plus drainage is actually a debridement operation. However, this explanation has not been recognized by the insurance company, which insists that "drainage" and "necrotic tissue removal" are two kinds of operations and still refuses to pay.

Although Dong Hongsi won the lawsuit, there are still similar clauses in the critical illness insurance of various insurance companies, which require patients to be treated according to the surgical methods required by the clauses in order to get compensation, but many of them are outdated treatment methods. For example, the critical illness insurance clause of a foreign insurance company stipulates that "cancer: ... any tissue smear and biopsy results are not taken as pathological basis ..." However, the doctor explained that the pathological diagnosis of cancer now depends entirely on tissue smear and biopsy results. If you don't include these two kinds, you can only cut samples, but this inspection method excludes cancers with high incidence (such as lung cancer, gastric cancer, esophageal cancer, etc.). ).

Mr. He insured a critical illness insurance of 400,000 yuan, and paid the premium of nearly 80,000 yuan every year. Two years later, the left kidney was surgically removed due to cancer. When the claim was made, the insurance company said that it could not be compensated. The reason is simple: the total disability stipulated in the clause refers to complete and permanent physical disability. The absence of left kidney caused by left kidney disease does not conform to the category of total disability, but the premise is the loss of both kidneys. But if both kidneys are gone, it means that the insured dies, and critical illness insurance will lose its meaning.

False insurance liability

Many insurance companies have additional responsibilities in addition to insurance responsibilities, which makes the insured mistakenly think that the more additional responsibilities, the more value they buy. In fact, many of these extra responsibilities are meaningless. For example, some insurance companies count "exemption from premium after serious illness" as "another insurance liability". After the major illness claims are settled, the contractual liability has been terminated, the insurance company no longer undertakes any protection, and the insured person no longer has the obligation to pay the insurance premium. Where is it necessary to exempt unpaid insurance premiums?

In addition, some insurance companies also include "total disability liability" in the category of "full payment of insurance benefits", and customers who have no concept of "total disability" will definitely feel that this liability is very favorable. In fact, the total disability liability has been disassembled into "deafness, blindness, aphasia, paralysis" and so on in the critical illness clauses covering more than 17 kinds of diseases, which are scattered and hidden among "N kinds of critical diseases". In insurance liability, it is purely hypocritical to propose "total disability" compensation alone.

However, there are some valuable additional responsibilities in critical illness insurance. For example, the provisions of life dignity payment in advance and automatic premium payment. The advance payment of life dignity means that when the insured is terminally ill and the survival period is within a certain period, the insurance money can be paid according to the insured amount. In other words, it is equivalent to expanding the limited coverage of critical illness to infinity. No matter whether the disease belongs to the scope of critical illness protection or not, as long as the hospital proves that the person is "dying", he can apply for insurance money. The automatic payment clause stipulates that if the insured fails to pay the fee in time when he is on a business trip, the insurance effect can last until the premium is renewed.

The fourth crime of serious illness insurance:

False increase in categories and incomplete compensation

Now, in order to compete for customers, major insurance companies are making a big fuss about the types of insurance in critical illness insurance,10,30,40, and at most, they even claim more than 500. Of course, the insured thinks that the more diseases, the better, but this is not the case.

Mr. Huo unfortunately suffered from clear cell carcinoma of the right kidney in 2003. Timely hospitalization, right nephrectomy. During his hospitalization, Mr. Gong was refused compensation after reporting the case to the insurance company on the grounds that the disease was not in more than 500 cases. Another company only lists 10 cases, and only uses "cancer" (except carcinoma in situ, which generally refers to cancer whose canceration is limited to squamous epithelium of mucosa or skin epidermis without destroying basement membrane). Cancer in situ is an early cancer, and most patients can fully recover after surgery and Chinese medicine treatment), and all cancers including "right renal clear cell carcinoma" have been included in the scope of protection. It can be seen that the more diseases covered in the insurance clauses, the wider the coverage is not necessarily.

In the amount of compensation, the regulations of each company are different. Most companies pay according to the insured amount or multiple of the insured amount. However, some insurance companies divide serious diseases into two categories-80% of the insured amount is "a serious illness" and 20% is "a serious illness". In other words, when the insured is diagnosed with a serious illness, he can get a one-time payment of 200,000 yuan in other companies, while in this company,

Only 1.6 million yuan can be obtained, and the remaining 40,000 yuan can only be paid after the insured suffers from another "second-class serious illness".

The fifth crime of serious illness insurance:

Induce the insured to buy short-term insurance.

There are two kinds of critical illness insurance: consumption type and accumulation type. Consumption means that money is wasted without accidents within one year; The cumulative type is to pay a certain amount every year for many years, and the protection is also continuous. Usually when you are very old (such as 88 years old), if you get a serious illness stipulated in the insurance during this period, you will pay according to the insured amount and the insurance contract will be terminated; If you are not sick by then, the insurance company will refund the insured's insurance money.

Because of this, the premium is much cheaper than the accumulation. Many agents will use this as a reason to induce the insured to apply for consumer critical illness insurance. Although one-year insurance seems to have a low premium, it does not have much substantive protection significance. If you renew your insurance every year, because the rate of critical illness insurance increases with age, it is obvious that the insured has invested more. Long-term critical illness insurance is generally paid in a balanced way every year at the corresponding rate in the year when you start to insure. The younger the age, the lower the premium the insured has to pay.

Take the insured amount of 200 thousand yuan as an example. When Ms. Xue renewed her insurance at the age of 34, she only needed the premium of 1.040 yuan. When she renewed her insurance at the age of 44, the premium increased to 1780 yuan, and when she renewed her insurance at the age of 45, the premium surged to 4,220 yuan. If the insured has insured the consumer critical illness insurance for many years, the total premium expenditure is actually much higher than the accumulated critical illness insurance. Let's take Ms. Xue as an example. If she wants to have a critical illness insurance of 200,000 yuan to cover her 50 years old, she will renew her insurance every five years according to the short-term model and pay a premium of 95,000 yuan each time. According to the long-term calculation, you can be insured at the age of 30 and pay for 20 years. The total premium paid is only 52,000 yuan.

The sixth crime of serious illness insurance:

Additional critical illness insurance costs are high.

At present, insurance companies sometimes provide critical illness insurance as additional insurance. These additional risks are relatively cheap, but the liability of the main insurance corresponding to these additional risks is not necessarily required by the insured, and the combination of these main risks and additional risks often conforms to a certain proportion, so the final payment is even higher than that of the single main insurance.

In addition, many insurance companies have introduced dividend-paying critical illness insurance, which is also higher than non-dividend insurance. In fact, it is best not to pay dividends when buying main insurance. Because the dividend promised by dividend insurance is not guaranteed, but expected, and the purpose of buying critical illness insurance is to buy protection rather than investment, and the pursuit is to get the maximum protection with the minimum cost, so there is no need to spend more money.

The seventh capital crime of critical illness insurance:

The insurance company changes the terms at will.

Many standard clauses of health insurance or critical illness insurance have provisions on the scope of critical illness or the adjustment of insurance premium rate. For example, a life insurance company stipulates in the critical illness insurance clause: "The insurer defines the insured amount, major illness and major surgery.

After the scope is adjusted, the insurance liability shall be assumed according to the new insurance amount, major diseases and major operations and scope. "

Other company clauses stipulate that "the company reserves the right to raise or lower the insurance premium rate", which is actually a overlord clause that seriously damages the rights and interests of customers. Suppose the insured has insured a critical illness insurance with a premium of 4,000 yuan/year of 65,438+10,000 yuan. In the second year, the insurance company told him that the premium would be raised to 500 yuan. If the policy continues to be valid, it will be paid at 4,500 yuan/year. And refused to continue to pay the fees, the contract will be terminated. In this way, no matter which way you choose, the insured will suffer.

In fact, major illness, major surgical scope and insurance premium rate are one of the core contents of the insurance contract, and adjusting them is actually a substantial change to the contract content. According to the law, before adjusting the scope of major diseases and major operations and the insurance premium rate, the insurer should obtain the consent or consensus of the applicant or the insured in advance when making changes to the insurance contract that has been signed but not yet fulfilled, and the applicant or the insured has the right to choose whether to accept it according to the adjusted scope or the terms of the insurance premium rate. Therefore, when investing in critical illness insurance, we should pay special attention to whether there are similar clauses in the contract. If there are, we'd better give them up so as not to infringe our own interests.

Guangzhou Yang Chen blog: