【Analysis】From the problem, $14 \times 20 \times 35+98=9898$, we can draw the conclusion.
【Solution】Solution: From the problem, $14 \times 20 \times 35+98=9898$,
$\therefore$ When the four-digit number Beijing spirit is maximized, the virtue is 98.
11. (10 points) In the equation “爱 (ai) $\times$ 创 (chuang) $\times$ 包 (bao) + 厚 (hou) 德 (de) $=$ 北 (bei) 京 (jing) 精 (jing) 神 (shen)”, each Chinese character represents a digit from $0 \sim 9$, and 爱 (ai), 国 (guo), 创 (chuang), 新 (xin), 包 (bao), 容 (rong), 厚 (hou), 德 (de) each represent different digits. When the four-digit number 北 (bei) 京 (jing) 精 (jing) 神 (shen) is maximized, what is 厚 (hou) 德 (de)?