【明報專訊】This morning I am going to introduce a very special bank to you. This bank is peculiar because every one of us is using its service. In fact, it has opened an account for each of us... for free. And stranger still, every morning the bank will automatically deposit $86,400 into your account for you to spend. But there is a condition attached on using money in this account. That is you can only use this amount for that day only. Any money left in your bank account at the end of the day will be automatically taken back. Moreover, although you will receive exactly $86,400 every day you are not allowed to draw or borrow any money in advance. So, my question is, "How would you spend this $86,400?" I guess everyone will give the same answer: "Draw all the money."