After more than 30 years of marriage, Mrs Leung still keeps a separate bank account from her husband and recommends that all women do the same, whether employed or not. Replying to a question about the widespread infidelity among men in the territory, she said it was not a phenomenon unique to Hong Kong and advised women to be prepared for such a situation. 'Even in America, you see a lot of infidelity and a lot of divorces - you just have to be prepared, nothing is for sure,' she said. Mrs Leung said she advised her friends, many of whom do not work, that wedding vows promising togetherness 'for better or for worse' were mere words and it was important to be shrewd about finances. 'If you're not working and your husband gives you money for clothes or groceries, be frugal, don't spend it all, keep some aside for yourself because you just never know. 'I had a friend 10 years ago who only had a joint account with her husband. She found out he had a mistress and couldn't even get money out of the account to hire a lawyer. Don't be too idealistic about these matters - be prepared.'