But some things are personal or private, and questions about them are not polite.
但是有些事是私人的,问这些方面的问题是不礼貌的。
Who spoke a while ago?
刚才谁在讲话?
and there is a very firm rule that the bank has no right or authority to pay out a customer's money on a cheque on which its customer's signature has been forged.