LEUNG cannot afford the debt. He plans to petition for bankruptcy. WA fears that this will affect his future and so asks HING for help. HING applied for an early retirement. This way he can use his pension to pay the debts. LEUNG is touched. He cuts all his credit cards up in front of HING and swears that he will be very careful with credit cards in the future. LING treats CHANG to a dinner to thank him for teaching her. LING is more ladylike when she is with CHANG. It is payday. MAY buys her children presents. MAY helps her colleague take a document to a beauty centre, which is run by an old friend of hers. Her friend gives her some coupons and a VIP card. MAY cannot control herself anymore and tries out the service there. Unfortunately, LING catches her red-handed. The case has been reported to the Official Receiver’s Office. MAY is speechless when she is questioned by the officers there.