發送短信 : Background risk and university endowment funds

  ____     _    _    _    _     _____     ____    
 |  _ \\  | || | || | || | ||  |  ___||  |  _ \\  
 | |_| || | || | || | || | ||  | ||__    | |_| || 
 | .  //  | \\_/ || | \\_/ ||  | ||__    | .  //  
 |_|\_\\   \____//   \____//   |_____||  |_|\_\\  
 `-` --`    `---`     `---`    `-----`   `-` --`