KEI is paralyzed after the traffic accident. CHI is very guilty towards her. The Governor of Guangzhou orders to stop building the deep pier. The company goes bankrupt. All is laden with sorrow. SHING bluffs that he will settle the whole event in Nanjing. After the accident, KEI is very depressed. CHI wants to give her a few words of comfort but does not know where to begin. There is no news of SHING from Nanjing. All the loaners including SUM come up to ask MAU for money and he faints. CHI and YUNG go to look for SHING in Nanjing. Apparently, he has given up the company. The company is shut down. TUNG and CHEONG leave the family. Suddenly, HING comes back with the money that she takes with her and returns it all to CHI. She wishes that with her money CHI can stage a comeback. MAU knows that he has misunderstood her and feels very sorry.

Five years later, CHI meets HEI on the street again.