tofu

some people don't want to spend that much time to get their license back, they will rather stay in the hospital to do research work instead.

tofu

"""(e.g. In Hong Kong, one needs HK$30,000,000 before he/she could retire while maintaining present life quality)"""
how much?  depend on what is your retired life looks like.  i believe most hongers don't even earn $30 million in their life.