On August 12, 2023, the “AXA Tianping 2022 Annual Elite Club Summit Awards Ceremony and Honorary Dinner” was held in Zhuhai.
Kevin CHOR, CEO of AXA Tianping, along with executives from the headquarters, regional offices, and secondary institutions, attended the ceremony. In his opening remarks, Mr. Chor praised the achievements of the 31 sales elites who received the “2022 Elite Club Annual Awards” and commended the 10 institutions that demonstrated exceptional performance in the “2022 Secondary Institution Classification Management.” With the goal of achieving greater success, Mr. Chor encouraged the team to persevere, seize opportunities, and continue striving for the company’s high-quality development and business improvement.
Following Mr. Chor’s remarks, he presented the awards to the honored sales members and the institutions with the headquarters executives, including Liancheng ZHOU, Executive Vice President and Chief Channel Management and Sales Officer, Xiang ZENG, Chief Commercial P&C Business Officer, Junhao LI, Chief Distribution Business Director of AXA Hong Kong and Macau, Zhaonan YIN, Chief Actuary and Chief Pricing Officer, and three regional managers, Hui WANG, Xiaoyu ZHANG, and Yuquan BI.
Representatives of the Elite Club Summit members delivered their acceptance speeches during the award ceremony. As the frontline of the company’s business development, the sales elites not only contribute to the growth of AXA Tianping but also help defend company values, continuously breaking through and sharing their knowledge with new talents.
AXA Tianping’s Shandong branch was recognized for its remarkable performance in 2022 with the “AXA Vanguard” institutional award. Yuquan BI, General Manager of the branch, shared optimism about the positive outlook of the branch, saying that “we hope everyone will live up the expectations and keep up the good work.”
In the following honorary dinner, besides a spectacular lion dance performance, there was also a talent show by the members of the Elite Club Summit and a prize draw segment. Xiang ZENG presented awards to the winners of the “Popularity Stars.” Kevin CHOR, Liancheng ZHOU, and Zhaonan YIN drew the first, second, and third prizes respectively, and presented them to the lucky participants.
At the end of the honorary dinner, Mr. Chor sang alongside with senior executives “A Better Tomorrow” as a tribute to their sincere blessings. He and Junhao LI also performed a classic Cantonese song, “Glorious Days,” making the night even more memorable.
The AXA Tianping 2022 Elite Club Summit Awards Ceremony and Honor Dinner came to a successful conclusion amidst the melodies, laughter, and well-wishes. Yesterday’s achievements are in the past, and we will continue to strive for excellence in the future with fresh determination.
On August 11-12, AXA Tianping’s 2023 Mid-Year Work Conference, organized by the Business Centre of Personal Accident & Health Insurance, was held in Zhuhai. Together with the management team, regional general managers and the headquarters’ key department leaders, we looked back on what we’ve achieved in the first half of the year and our plan for the rest of the year.
Firstly, we have successfully accomplished the targets for the first half of the year. Despite facing pressure of comprehensive reforms after the pandemic and the market deterioration as well as other factors, AXA Tianping still maintained high-quality growth. At the same time, financial pressure from operating costs remains, and we will continue to prioritize profit, reducing costs and increasing efficiency. Both the headquarters and other branches will have to work towards this goal so as to reach our year-long targets.
Through a systematic review of our performance indicators for the first half of the year from the institutional and distribution ends, we got a clear understanding of the target requirements for the remainder of the year in terms of performance development and cost optimization, as well as specific requirements for the development of work in a number of key areas, which clarified the objectives and direction for the sound operation and benign development of the institution.
Just as our CFO Pierre said, cost optimization, quality and efficiency enhancement are more necessary than ever. This is why each product department, middle and back-office functions have put forward cost optimization initiatives.
“Cutting costs and enhancing efficiency, and focusing on profits” is the core idea of this meeting. In order to analyze the current situation and determine the direction of improvement, the second half of the meeting had NC (Non-Charge) expenses as the main topic, and the current cost situation was dissected and analyzed by the Strategic Performance Management Department, Human Resources Department, Claims and Customer Service Department, and Sales and Management Department. Specific requirements and ideas for cost reduction and efficiency improvement were put forward for each segment.
Lastly, through the mode of “looking at the status quo – pointing out the problems – pointing out the direction – giving the solutions”, we provided guidance to 3 regions and 26 organizations. It is hoped that all regions and organizations would live up to their expectations and fulfil their obligations with action while demonstrating their value with results.
Through this semi-annual work conference, the operating rationale was assured while further clarifying the profit-oriented business development model and enhancing overall confidence. It is believed that under the guidance of the spirit of this meeting, and with the synergy between the headquarters and branches, AXA Tianping will surely be able to realize sustainable operations with cost prioritization , continuous innovation and compliance. For the second half of 2023, let us keep working together, unite as one, and achieve our mission!
Our pursuit of high-quality development and refined operations continue to make progress, and so are our passion and care for helping those in need.
We were able to implement our diversified business strategy in depth in the first half of this year, thanks to the concerted efforts of all our colleagues. Premium income increased by 14% year on year, with health insurance increasing by more than 60% and commercial insurance increasing by 23%. We are on a positive trajectory in terms of auto insurance products, with a 5% growth this year. What is even more promising and exciting for us is the increasing contribution from the NEV insurance business. I am proud to show our steady progress on the road to sustainable development.
There is no time for us to rest on our laurels though. Behind these promising results are numerous challenges – the complex market environment is here to stay, and we still need to further our efforts in cost control and profitability. Therefore, we must put our best foot forward for the rest of the year to ensure that the strategic goal of high-quality growth is accomplished. There are a few measures which we can do to achieve this, such as stricter cost control, optimizing operational efficiency, prioritizing profitability, strictly adhering to compliance rules, minimizing potential risks, and tracking the progress of KPIs.
In July, the AXA Global Health Insurance team lived up to the motto of “AXA is there to protect girls in need”, working with channel partners and customers to provide continuous support and assistance to children in need. At the same time, Mingya and AXA have been working together on the “Protecting Children for a better tomorrow” charity program in Beijing, Tianjin and Shanghai to provide love and companionship to children suffering from illnesses and help them move forward to a brighter tomorrow.
On July 17, Garance Wattez-Richard, CEO of AXA Emerging Customers, and her team visited Zhejiang Agricultural and Commercial Union Bank, Micromedicine Group, and Qingdao government agencies to introduce AXA’s strategy for the Group’s P&C insurance business, as well as AXA Tianping’s Huiminbao experience across the country, and to discuss with all stakeholders the prospects for future cooperation. They also discussed the future prospects of cooperation with our stakeholders – working together to promote inclusive finance and provide comprehensive protection for middle and low-income groups as well as SMEs.
We have a lot to work on for the rest of the year. I am confident that we will conquer the challenges as we join force and do our best.
Our pursuit of high-quality development and refined operations continue to make progress, and so are our passion and care for helping those in need.
We were able to implement our diversified business strategy in depth in the first half of this year, thanks to the concerted efforts of all our colleagues. Premium income increased by 14% year on year, with health insurance increasing by more than 60% and commercial insurance increasing by 23%. We are on a positive trajectory in terms of auto insurance products, with a 5% growth this year. What is even more promising and exciting for us is the increasing contribution from the NEV insurance business. I am proud to show our steady progress on the road to sustainable development.
There is no time for us to rest on our laurels though. Behind these promising results are numerous challenges – the complex market environment is here to stay, and we still need to further our efforts in cost control and profitability. Therefore, we must put our best foot forward for the rest of the year to ensure that the strategic goal of high-quality growth is accomplished. There are a few measures which we can do to achieve this, such as stricter cost control, optimizing operational efficiency, prioritizing profitability, strictly adhering to compliance rules, minimizing potential risks, and tracking the progress of KPIs.
In July, the AXA Global Health Insurance team lived up to the motto of “AXA is there to protect girls in need”, working with channel partners and customers to provide continuous support and assistance to children in need. At the same time, Mingya and AXA have been working together on the “Protecting Children for a better tomorrow” charity program in Beijing, Tianjin and Shanghai to provide love and companionship to children suffering from illnesses and help them move forward to a brighter tomorrow.
On July 17, Garance Wattez-Richard, CEO of AXA Emerging Customers, and her team visited Zhejiang Agricultural and Commercial Union Bank, WeDoctor Group, and Qingdao government agencies to introduce AXA’s strategy for the Group’s P&C insurance business, as well as AXA Tianping’s Huiminbao experience across the country, and to discuss with all stakeholders the prospects for future cooperation. They also discussed the future prospects of cooperation with our stakeholders – working together to promote inclusive finance and provide comprehensive protection for middle and low-income groups as well as SMEs.
We have a lot to work on for the rest of the year. I am confident that we will conquer the challenges as we join force and do our best.
1. First of all, a huge thank you to Mr. Liang for joining us in the Liangshan Yi Autonomous Prefecture volunteer event. Considering your background as a ethnic minority, would you like to share your experience in Liangshan and whether your thoughts regarding charity has changed?
Youren Liang:
I am an ethnic Zhuang Chinese from the Guangxi Zhuang Autonomous Region. I am moved by these kids as I can put myself in their shoes since I also grew in a relatively tough environment.
Like many others, I first thought that charity is simply about “helping other people” but this trip has given me a new perspective on charity, especially as I’ve witnessed the children’s passion and attitude towards life despite the challenges they face. Charity is also about “helping oneself.” I tried my best to tell the children about my personal experience growing up and the importance of self-discipline and resilience.
People tend to forget to be thankful for their life as they get older. This is why “Act for human progress by protecting what matters” is our brand motto. It reminds our colleagues around the globe to live by their words and safeguard our homeland and future. I learned a lot from this visit.
2. Mr. Cho, has your view on charitychanged after your visit?
Hungju Cho:
I really resonate with what Mr. Leung shared. Like him, I used to have a relatively simplistic understanding of public welfare, thinking that it was simply about helping others. However, through this firsthand experience, I have gained a lot. In my opinion, the greater significance lies in giving back to society, and I now have a more intuitive and profound understanding of the Chinese proverb, “Giving a rose to others, leaving the fragrance in your hand,” which implies that doing good deeds for others not only benefits others, but also brings a sense of satisfaction and fulfillment to the person doing the good deeds.
3. We knew from our operations team that the Liangshan locals needed clothing and both of you quickly responded by organising donation campaigns with other colleagues in Guangxi and Chengdu. Mr. Cho, “Would you be able to advocate to our colleagues across the company and encourage more of them to provide assistance to underprivileged children through donating clothes or participating in on-site visits?”
Hungju Cho:
We responded quickly once we knew the local community was in need of clothing. I am proud of our colleagues for donating more than 1000 items of clothing in a short period of time. We shall continue our efforts and keep a close eye on the development of the rural areas. We will try our best to address inequality and spreading love.
We had also promoted the campaign via our social media channels and other corporate channels. More and more people are now aware of this, and I would like to encourage all AXA colleagues to join in together.
4. Do you have any tips for those considering to visit? Is there anything AXA colleagues besides providing material aid?
Hungju Cho:
The people in Liangshan are mostly elderly or children, so we would recommend donating textbooks, study guides for their courses or popular books on various topics. This can provide them with more knowledge and help broaden their horizons.”
In the future, I would like to organise more trips like this for AXA colleagues or other clients. We can do so much more to address the needs of families there, to expose the children to the outside world and enhance their capabilities for them to better contribute to their families.
Youren Liang:
Like Mr. Cho’s team, the members of my branch threw themselves in the campaign and donated many supplies within a limited time span. We hope to do everything we can to provide the support that these underprivileged groups urgently need.
On the day of the visit last month, I had a deep conversation with the children there and learned they actually loved football. Our branch also donated footballs to encourage the children to persist with their passion for the sport.
We are in far more fortunate positions than most of the children. The conveniences we take for granted may be a luxury to them. If we have the ability, we should help them out as much as we can as even small acts of service may have unexpected, long-lasting impact.
Family is the bedrock of society, and AXA Tianping is committed to being a caring companion by offering comprehensive family insurance coverage. Understanding the importance of family coverage, we introduced the “More Coverage, More Happiness” AXA Family Guardian Star campaign in July this year to cater to our customers’ family-related needs.
From July to October, each branch will collaborate with local channel partners to conduct marketing activities for AXA Family Guardian Star, including sharing customers’ stories, videos, online postings, and Guardian Star competitions. The goal is to attract active participation from partners and customers, increase customer loyalty, and tap into customer potential. Through the AXA Family Guardian Star campaign, we aim to convey AXA Tianping’s advanced vision of family coverage, foster connections with partners and customers, listen to their voices, and help customers better understand the AXA brand and our products.
During the campaign period, we will be upgrading two health insurance products. “SmartProtect Plus” will be added to the whitelist of private hospitals, and “Shengshi Perfect Choice” will see improvements in its service offerings. Leveraging AXA Tianping’s strengths in comprehensive insurance coverage and excellent service, our partner channels can confidently promote these products to households, further solidifying AXA Tianping’s competitive edge in family coverage.
Garance Wattez-Richard, CEO of AXA Emerging Customers, together with Michal Matul, Head of Digital Health, Consumer Insights and Training at AXA Emerging Customers, and Nadia Boughaba, Head of Product and Technology at AXA Emerging Customers, visited China on July 18. Accompanied by Chunli Wang, General Manager, AXA Tianping health insurance business, and Shuting Xiao, New Clients Manager, AXA Tianping Health Insurance Division, the team visited Zhejiang Rural Commercial United Bank, WeDoctor Holdings, and other government organizations in Qingdao. Our colleagues introduced the history of AXA Group’s inclusive insurance business and AXA Tianping’s practical experience with inclusive insurance business such as Huiminbao. The team also discussed the prospects of future cooperation and sought alignment on jointly promoting inclusive finance which serves both middle- and low-income groups as well as small, medium-sized, and micro enterprises.
The First Stop: Visiting Zhejiang Rural Commercial United Bank in preparation for inclusive insurance cooperation.
In the morning, Garance and the team paid a visit to Zhejiang Rural Commercial United Bank. The visit was accompanied by the Secretary General of China Academy for Inclusive Finance (CAFI) of Renmin University of China, and Mr. Zhongxiao He, General Manager of AXA Tianping Zhejiang Branch. Officials of the bank, headed by Bokai Chen, Deputy Secretary of the Party Committee and the proposed president of the bank, gave a warm welcome and briefed the AXA team on the bank’s business in inclusive finance and insurance. They also introduced the current bancassurance developments and wish for future collaboration.
Zhejiang Rural Commercial United Bank’s business is anchored in “agriculture, small business, and land”. The bank is well-funded and ranks among the top five in the province. As a bank that “handles the most practical business and stands the closest to private enterprises and people”, the bank plays a major role in the local banking and finance function and the rural finance system as a pioneer of inclusive finance. The bank has put in place several measures to promote inclusive finance, including providing cross-system support and pulling together a list of insurers for the programme. Different branches can then get to collaborate with three insurance companies from the list.
After the bank’s introduction, Garance also talked about the development and strategy of AXA inclusive insurance in both domestic and international markets. He also provided details on the Financial Diary project jointly developed with the China Institute for Inclusive Finance (CIIF). Both parties exchanged valuable insights regarding the future of inclusive insurance.
The Second Stop: Visiting WeDoctor to promote the digital innovation of inclusive insurance
In the afternoon of 18 July, Garance and the team visited WeDoctor, a leading international digital health platform, which takes “Your Health, Our Responsibility” as its mission. It provides professional, personalized and diversified medical and health solutions to governments, hospitals, families and individuals. In implementing the Healthy China 2030 and building healthy cities, healthy villages, healthy individuals and healthy enterprises, there are many opportunities for cooperation.
Shenghui Shi, Director of Corporate Membership Sales of WeDoctor, introduced the group’s development history. Founded in 2010, this unicorn company in digital health has the country’s exclusive third-party pharmaceutical trading platform license, China’s first Internet hospital, Wuzhen Internet Hospital, and 34 Internet hospitals, with about 260 million registered users and about 300,000 registered doctors. WeDoctor has access to over 95% of resources in China’s primary hospitals. The company takes up more than 15% market share in digital healthcare. During the visit to the showroom of WeDoctor, both sides discussed the development prospect of “Internet + Healthcare” as well as subsequent cooperation in depth.
The Third Stop: Visiting P&C Insurance in Qingdao to set ambitious blueprint
On July 20, the AXA Emerging Clients team, led by Lei Tian, General Manager of Qingdao branch, visited the Civil Affairs Bureau and Health Care Security Administration of Qingdao. During the visit, the team presented AXA’s expertise and capabilities in P&C insurance to officials and discussed AXA Tianping’s development and its successful practice of P&C insurance in China. The meeting laid the groundwork for future cooperation and fostered a strong partnership for the advancement of P&C insurance implementations.
During the visit, the AXA Emerging Clients team organized workshops on P&C insurance, bringing together colleagues from various branches across Shandong, Qingdao, Beijing, Jiangsu, Anhui, Yunnan, Guangxi, Tianjin, and Henan. The Group’s representatives presented insights about newly emerging clients and the global health insurance market. Chunli Wang, the head of the health insurance team, showcased AXA Tianping’s progress in P&C insurance and the tailored operational approach. Colleagues from different branches also shared their experiences in implementing projects for Huiminbao, as well as governmental bodies and other specific client segments.
During the panel, a lively discussion unfolded on topics such as P&C insurance business opportunities, business standards, and key factors for success. Everyone shared insights on how different branches can develop business strategies tailored to local conditions. Beyond exploring current opportunities, the panel also included follow-up actions to advance the program.
Media Interviews
During the visit, Garance Wattez-Richard, CEO of AXA Emerging Clients, engaged in interviews with influential media outlets. He shared AXA’s strategies and experience in developing P&C insurance, highlighting AXA Tianping’s active participation in the Huiminbao program across China in alignment with the country’s inclusive finance strategy. He emphasized the company’s strong sense of corporate social responsibility which has contributed to the company’s sustainable growth. For media reporting, please click the links below to read full articles.
Most people spend nearly their whole life working, yet companies often overlook the importance of employees’ mental health. Mental health issues have now become an increasingly important topic in the workplace. Based on a global study, AXA has officially released its “2023 AXA China Mental Health Report.” With the aim of helping companies and employees better understand and improve mental health, AXA hopes to lead by example and enable more people to flourish.
From the latest survey, we are delighted to see a modest increase in the proportion of flourishing respondents in Mainland China as compared to last year. Despite challenges from the pandemic, Chinese respondents have remained optimistic, confidence, and emotionally resilient. However, less than half of respondents said that their employers have provided adequate mental health support. This highlights the potential for growth and innovation for forward-thinking organizations and reminds employers to pay attention to their employees and support their needs.
The study reveals that Gen Z individuals (aged 18-24) are vibrant, energetic, and creative, offering unique perspectives on topics such as career path planning, personal growth, work environment, and work-life balance. The report also identifies crucial factors in promoting mental health in the workplace, helping employees to gain a sense of accomplishment and happiness in their jobs.
AXA firmly believes that mental and physical health are equally important. We strive to work with companies to build awareness and provide the necessary resources to create supportive work environments that enable employees to reach their full potential.
To access the full report, please click on the following link:
On the 26th anniversary of Hong Kong’s handover, the Unilateral Recognition policy for cross-border motor insurance for Hong Kong vehicles travelling northbound came into effect.
Given AXA Tianping’s experience in cross-border insurance business, the company was among the first batch of insurers selected for the Unilateral Recognition policy for cross-border motor insurance. The policy contributes to insurance’s development of the real economy while leveraging the advantages of development in both Guangdong and Hong Kong. This not only demonstrates AXA’s impressive capabilities and available resources, but also reflects the high recognition which both governments and vehicle owners held towards AXA.
Insured in Hong Kong, compensation offered in Guangdong. The “Northbound Travel for Hong Kong Vehicles” and “Unilateral Recognition Policy for Cross-Border Motor Insurance ” schemes are major innovations in terms of Guangdong-Hong Kong interconnectivity and cross-border auto insurance policies. It is of great significance to people’s livelihoods, economic development, and cultural exchanges. AXA not only has the honourable mission to build a modern insurance service system with higher quality and efficiency, but also is one of the spokespeople for cross-border insurance business in the Greater Bay Area. We strive to create an unforgettable insurance experience for the first batch of vehicle owners participating in the policy.
AXA views this shortlisting with high regard. AXA Tianping and AXA Hong Kong have increased their cooperation, forming a project team from the core departments of pricing, insurance claim, actuarial, IT, customer service and channel management. By integrating our high-quality resources and efforts, AXA Tianping and its partners are working together to provide more convenient cross-boundary insurance coverage for more than 450,000 vehicle owners.
AXA Tianping has independently developed an external data service platform to provide data transmission and storage for the Hong Kong vehicles heading northbound. This is done on the basis of ensuring technical expertise, information security and cost-efficiency. The customer service and claims team has also established a new claiming standard of procedure, an online insurance data submission platform and a Cantonese consultation line for Hong Kong customers who are not familiar with the process of handling traffic accidents or claims in the Mainland, further satisfying their expectations with enhanced convenience in insurance claims.
On the other hand, AXA Hong Kong also integrated various mainstream sales channels, including direct sales, intermediaries and business partners, to cater to Hong Kong vehicle owners. Aside from providing quality services in insurance claims on a client-by-client basis, we also promote the “Northbound Travel for Hong Kong Vehicles” scheme and provide further information regarding cross-border insurance coverage, familiarizing our customers’ with the “Unilateral Recognition policy for cross-boundary motor insurance”.
With AXA’s strong capital strength, technical profession, varied product lines and excellent customer service, combined with AXA’s network of organizations in Guangdong, Hong Kong and Macau and subsequent on-site service reach, we will continue to improve our cross-border insurance coverage and service network in order to provide better and more reliable services to our future customers.
The AXA Star contest awarded 22 AXA colleagues from headquarters and branches “AXA Stars in Transformation, Customer First, Integrity, Courage, and One AXA.” This special column was set up to share their stories in living the AXA values and contributing to the company’s growth.
This month we will introduce stories of our Integrity Star – Jun’an Yu, responsible for budget management under the Planning and Budget Management Department; and Transformation Star – Huiping Tang, Senior Demand Analyst of the Project Delivery Management Department.
Jun’an Yu joined AXA Tianping on February 2020, and is in charge of budget management. She has participated in monthly and yearly budget arrangements, monthly spending distribution and analysis, as well as other budget-related management tasks. In the 3 years of her career at AXA Tianping, she faced challenges head-on without hesitation and contributed to her work in a reliable, innovative and efficient manner.
Q: How do you feel about receiving the AXA Star award?
I felt very pleased and honoured to receive the AXA Star award. I am eternally grateful for the kindness and assistance from my supervisors and fellow colleagues. This prize is a recognition of my efforts over the past year and a symbol that motivates me to double my efforts and bravely face other challenges to live up to this honour.
Q: What helps you stay confident, healthy, and happy?
A recent hobby of mine is dancing. It helps me stay confident, healthy and happy. Although I’m still a beginner, dancing has already boosted my confidence greatly, empowering me to face challenges, humiliation or even failure with perseverance and determination. It has also allowed me to meet like-minded dancers and friends while training.
Q: Any books or TV series you would like to share?
I have recently been reading “Klara and the Sun” by Kazuo Ishiguro. It has a wholesome and heartwarming plot, where Klara, the AI, accompanied its child master and gave its whole heart. I am deeply moved by Klara’s sincerity, selflessness and kindness. There is a quote from the book worth mentioning, “The sun always finds a way to shine on us, no matter where we are.”
Huiping Tang, Head of Requirements for the healthcare insurance product line, joined AXA Tianping in 2017. She is responsible for designing and managing healthcare insurance products, as well as implementing the products and managing communication between various channels. Huiping is a detail-oriented person with strong execution capabilities. She has an impressive track record having designed more than 10 healthcare insurance products in 2022. Another extraordinary achievement is her professional assistance in EB project sales. She has received much praise from the Hong Kong team. She coordinated different shareholder demands for the CHEP project, examined supplier offers and effectively enhanced the overall productivity of the system. Huiping contributed significantly to channel docking last September, drafting the standard of procedures and regulations, as well as assisting the transformation of business.
Q: How do you feel about receiving the AXA Star award?
I’m so surprised to receive the AXA Star award! I had missed the rally talk due to some objective factors, and I thought I had missed this valuable opportunity. I didn’t expect to receive this honour, huge thanks to the guidance of my leaders and the recognition from my team. This encouragement will always be a strong motivation for me in my future career, and I hope more of my fellow colleagues get recognised like me!
Q: What helps you stay confident, healthy, and happy?
Stay curious and continue learning. I learn piano and painting with my kids, having had no past experience. I don’t want to be able to become a master, I just want to gain some new skills and make my life more fulfilling in return.
Q: Any books or TV series you would like to share?
I have been recently reading Cai Chongda’s “Fate”. The book vividly depicts the life of an old lady from Teochew and reading it feels like accompanying her through her life. The old lady believes in fate but does not submit herself to it. Even if everything seems destined to be, she fought to the end, and was able to live with a clear conscience. This attitude towards life greatly inspired me – when facing setbacks, we should try our best and not worry about the outcome.
