After graduating from college, Tony decided to start his own business.At the beginning, many bankers turned down his request for a loan. But he was not a bit discouraged, and continued to call on one banker after another seeking help. Impressed by his determination and optimism, one bankerfinally agreed to loan him the money. Now he has become a wealthy businessman. Talking about his amazing achievement, Tony says that it is important to create rather than wait for opportunities.