發送短信 : Background risk and university endowment funds

  ______   _    _    _    _    __   __    _____   
 /_   _// | || | || | |  | ||  \ \\/ //  / ____|| 
   | ||   | || | || | |/\| ||   \ ` //  / //---`' 
  _| ||   | \\_/ || |  /\  ||    | ||   \ \\___   
 /__//     \____//  |_// \_||    |_||    \_____|| 
 `--`       `---`   `-`   `-`    `-`'     `----`