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You don't have to pay any of the money back, the government won't ask for equity in your business, and you keep full control of the intellectual property that you develop. Venture investors--if you can find any--will not be so kind.
"Mathematicians working together just talk through ideas or stare into space hoping to have one. Sometimes they go for a walk. This is particularly pleasant if the walk happens to be through Paris streets or along cliffs overlooking the Mediterranean Sea. Fresh air is essential, especially if one of them smokes." --Ernest Schimmerling
"Research in Singapore will expand, with an ever-increasing number of new companies and institutes. Coupled with the expansion of many existing employers, this provides real opportunities for top-quality research and career advancement."
Doing a Ph.D. on visual interfaces and usability is particularly useful, he believes, because it allows him to understand what the consumers would like to use and to guess whether a new product would succeed or fail.