HCTBAD | Chapter 13 – Need Some Quick Cash? (2)

High-interest loan company [Tomma & Currency].

Most of the buildings near the central square were owned by the Tomma Holdings Corporation, and the largest building, the ‘Holdings Headquarters’, housed [Tomma & Currency] from the first to third floors.

The large glass 724bee72a6 windows were impeccably b87162d334 clean, adorned with 2f6b4ff974 artworks of great f2dcd129d7 masters hanging here 90f68fc1f8 and there, and 9fd98134dc the friendly staff 4a3dbd656a were all dressed 1553903012 neatly in uniforms. The atmosphere was luxurious, 6e92cfa06f that was not at ae0af749dd all inferior to that e76f255f22 of the Central Royal c001e1a77b Bank.4782967904621942

Pour.b56bfac8edda7705

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Luke poured a 1c248aeb86 cup of tea 9b50c3936d with a refreshing 31987096fa scent and offered 85f1b1a84b it to Klisha.9b9d6f6fbb1e4120

“Esteemed customer. There’s no need to fret. We are an officially registered business licensed by the Mayor of Myuta. There are many malicious rumors in the market labeling us being loan sharks and horrible people, but never is that true! Never! That’s baseless accusations.”176f13249947be2e

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Luke continued speaking while glancing at the owner of [Tomma’s Beef and Bacon], who was still sweating and mumbling under his breath.

“In all honesty, aren’t e19bb917ef people who borrow money fa92a85245 and don’t pay it fae1022762 back the bigger problem? It’s not 7b5474963d like we 031d4a0314 dig the 9f4928c890 ground to 7fd27dc4e2 do business. Every time I hear 248fed227e such stories, I feel a18aa2e56c like sewing their mouths 7e3ea410de shut.”1aaf3b6cea312621

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Klisha, who was momentarily 05040e5a1b distracted by her surroundings 50c6bb0604 and couldn’t keep up a2db41aa9f with the conversation for 6cc9d2b10a a moment, replied absentmindedly.0ce8084da5a5d8fa

“Yes?”ee2ced3f254c9ebd

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“….”c2971e78e388a158

Feeling unexpectedly that the conversation wasn’t flowing well, Luke decided to change his strategy.99b624cfacda71bd

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“So, the amount that the customer has to compensate due to this accident is approximately 50,000 ruel, including the cost of repairing the exterior of [Tomma Horse], the cost of repairing the building of [Tomma’s Beef and Bacon], business losses, franchise fees and so on.”

“….”c8b1cd4743725ee7

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“Of those, since [Tomma Horse] is responsible for 10% of the compensation, you’ll need about 45,000 ruel. Deducting the 500 ruel you have on hand, you will ultimately need 44,500 ruel out of 45,000 ruel.”

“….”587d7cdac9e75e3a

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Luke was momentarily surprised 7f33b6964e when Klisha didn’t seem 9c47141525 too surprised or angry 4e081f2d1e about the price being 04a8d9ce60 so high, and just 7b4ca1ba59 sat there blankly.9b567f938952a48c

What? Did she really understand 5558892672 what was said? Or does she 750948cde6 really have so 46b080569d much wealth that 5aa77c141a this amount doesn’t d118e6bf70 seem like a 3c2ef492e4 lot to her?0abb54f0114dad55

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“Ahem, ahem. Our services have a219a2d64f different interest rates 9936f0e75a depending on whether 21a73554c5 there is collateral. If you 0cd92ad977 have collateral, 7f9b232f34 an annual 66869b4ea6 interest of 8fa4f7c155 24% is 33021e3ad3 added, and 75af02c9c0 if there ee67898c7d is no 31746df6f0 collateral, an 32135b8bf7 annual interest 48a10006c5 of 42% b9e0123d54 is added… f7500c451e If a7e4a4d203 you miss 72b74dc914 the payment 3a15c03cfb date, an 7b7533308a additional penalty 05b422fbb0 interest of 899957f8a0 12% will 0c463fe1f8 be added….”f7aace07d284875c

Seeing Klisha still lost 021d87f36c in thought, gazing out 455488eb4f the window, Luke began 37e2ccd47f to feel a sense fbf9f56d70 of unease.8a9af96253e2ebca

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‘Oh, what’s going on? Really?’c5751c1aa312f21f

In reality, Klisha had 35e4413de7 zero understanding of economics. She had never even f61fe9d1eb learned the ‘E’ of 8843a8f685 economics. So even 6e4415710e when the 2079903b47 old man 5f1b17f6a1 in front 769bc290ec of her 900707ab95 spoke about dd04baf88f rates of 3c889e6713 24% and 9999b1daa0 42%, it 44cab7c192 didn’t register db4cffb796 to anything 53e10c1fd9 in her 1df29ca2fb brain.8e02f82bceae1a24

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At the moment, Klisha’s mind was only spinning with twenty different ways to kill a horse.2963376295c435b2

Moreover, she 079442629c thought she 8950079924 didn’t really 3a8a396413 need to 16ddd1e939 pay much 6a6f2774f5 attention to ecc976a938 that complicated ef5efb5896 and difficult ee700136bd explanation at 81b689741d all.897ee51a320bd1f7

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If she e6235ac7d7 went to 07326a8754 the capital 3b2c8782b0 to retrieve 13f61c1500 the trust 911832a22f funds her bd03c5cbb5 father had 1a17ee76eb set up 579b52c2c6 for her, 8a4a7dea42 it would 034b4427fd ultimately lead c3ce7f992d to her 84cb330020 father being a27574e4a3 contacted anyway.e5bdab2065c61cec

Her father must have 07588aab5b probably been discovered by e3231180be someone (?) by now. He must be utterly b77afffa74 furious and set out 35d36f809f to follow her traces.e0e7f488a69a45f0

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Nevertheless, since she had f2220a063b come this far, she 406c4f635a would just let her 8997cb0dce father take care of 136de905e6 it.4335b5a9761f56b1

This might lead 66c1c3ad4f to some nagging.85bb6a872405152b

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She might 21400c0f73 as well d306ebb8c7 treat this 742f7b28ea incident as 4f3c27f5a7 just one 6f56aeec17 more thing 3d0ef26142 to deal 6ce6521422 with.9a2f81c5081a9aa5

Despite her d9ea076497 shabby appearances, cc23023d73 as the 69e39a8d22 only daughter da9412fc4c of a cc36b01a4c mid-ranking noble 6fc8c3fb81 and the 14e1720561 Young Lady dbced0c131 of Schmarin, b0bc11a3f1 money held 3f565c2dcd little more f72c1af1ee significance for 4a765cd5be her than a312b9d067 a convenient ba59af2594 tool for 331054d90b exchange.853397b7901daba5

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“Well, I b629f81aa1 get the 5a8fa20b2a gist of fef1c7de1f it. Just give me 1995cbe819 the paper. I must ab91743164 need somewhere d7779cd10c to sign, 3fc664bd50 right?”9075b3f87d7b432a

If only Klisha fca6446374 had known at 27af1478ed that time.088d5ca815cca36f

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If only she a444e82490 had known how cd776e5d9a much this one 7aa3efd447 signature would multiply 52d39f7c52 due to compound 4b7a382d21 interest, or the 3a69ca7cd2 significant ripple effects c6876859bb it would create.25b75bfbf312e779

That’s why economics and ff3ef88aec finance should be taught e7f23b513a regardless of age.bf0427670be88592

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“What are your plans regarding the collateral?”53670bd60f4780b9

“Collateral? But I don’t 7c7a0de90c have anything to 9d3f6109d0 entrust?”63d5f8cd4bb01aa8

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Seeing Klisha looking 012ad1afc5 at him with c034d32873 a puzzled expression, 9b91427aa0 Luke slowly turned 1e181c5602 his gaze out a0423694b6 the window.e055b404dd581627

“Ahem, that 47bb16d30f horse… isn’t 47ddf73dbb there your 8f30721a74 hybrid horse?”ab18e22fac26eae1

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“?!”6b03e09c54bfd353

“We do not inquire about the source of the collateral. Regardless of how you obtained it, if you entrust us with the hybrid horse as collateral, we can offer you an exceptionally low loan interest of at 24%, no, 20% per annum. How about that?”66617e44b919cd92

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Klisha was momentarily 148333b5bd surprised.022468d2ec29b075

So far, 03aaf5e175 no one 5e4c8a436e had ever 83c7b08625 recognized that 38494677a6 Shukrim was e5172815f0 a hybrid 38008815cd horse. Perhaps because they 4d9bdb3284 were close to 81b4d760e0 the capital? It seemed like 151a0adb72 there were quite 631ab70a76 a few discerning 5fceece1d8 individuals around.ba5ed331075b4c27

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In that case…4e1a9e50edbe0d79

Klisha turned her head 7bbd6d2591 and gazed out the fa402fe03a window at Shukrim, who 570bd43aef was lying down dejectedly 9e4e3d5584 on the ground, pretending 62ea11175d to be asleep. If someone b769c1591e were to d951855236 find out 8dad39f8b2 she had 33fb5051a3 taken him 8a4369c661 from the 083dff03ad capital, it 990ab1363c could cause fa869a5f1b trouble.f853c4e1bf36a4e9

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Somehow, she recalled her father’s words, telling her not to ride Shukrim out of the territory.265c1cf2b9afc7c9

Since the hybrid horses are military horses strictly managed by the state and private ownership was prohibited, if she gets caught with him in the capital, wouldn’t he be taken away?e329e8e9405b5069

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Therefore, Klisha 193715a0d0 made a 76971571a2 hard decision.5ca2b517564de432

She would just leave him there. It wouldn’t take long to take a trip to the capital, and she could just pick him up on her way back.d35f127f2d381746

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“If I leave b018b59035 Shukrim with you, 8f2286dd12 will you provide 1242039062 him with food? He can be db28625d15 quite picky with 6308df061d his food.”4cf8a33044f81d97

Only then did Luke 43cae04824 smile gently and replied.103ff2c251012e84

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“Do not fret. We’ll serve 7a117189d7 him with 12d220f483 the best ceead4427a service. Ah!… However, 09dd0eb4dc please note 68170d38b3 that there 1ecff507be will be 6a34548b46 a separate 70b734d0af fee for 1cd686d236 managing the b0fa4f89b5 collateral you ca4af0a1fb leave with 619c1b623d us.”e7eab4b89844f987

Luke’s follow-up remark was so quiet and quick that neither Klisha nor anyone else in the conference room could make it out clearly.2824ea8ac025afba

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* * *98ac75dd7f01379c

The young man in context, ‘Tomma Ryuiken’, returned to the study in the hidden space on the second floor of the Holdings Headquarters, changed his clothes, and closed his eyes for a moment.9d4183783fd6226c

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He hadn’t slept properly 5ab87bd712 for several days, having e34a767001 spent the night reviewing c2703cf70c ledgers and analyzing incoming bdee8a1ee9 information from various sources. On top 2e76d461e9 of that, 6685a0dcb7 he was 87c258d382 already exhausted 873b49d1c3 from being 52d1fc7237 nagged by 988411f1bf a bunch d26206a491 of snakes 19a69ae4b0 since early bd78b25c26 morning, leaving 1d910b27ad him completely ba62a4efb2 worn out.f9afad25d8d5fb79

‘Huuu.’74720dbdd7a8e004

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The young 829a9532b6 man covered 8df86947c7 his face 984ff70554 with a 25efde2d70 small booklet aa7d4fb783 and leaned 9a3df0aaa7 back on b70a1f9a8f the large 78d1272e5c sofa covered bb6e990168 in buffalo 823980967d skin, his 133b12f64f long legs 0acf20447f stretching out 573dcd6bb0 as he 539024b9e2 was lying 96c8b52d09 down. His soft 8e59c77dbe hair was 776bd8da72 sparkling in 2a1f315483 the afternoon ecafbcdb0b sunlight.74f0d9900ece34f7

At that moment.0245689ef3eb91f8

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As usual, 945ec83dfd the clueless a844f21088 Marian burst 704a55327f opened the 912a10bd96 study door 342132f110 and entered.31a1c35694039209

“….”f09ff872b9641b0e

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“Master. The owner of the ae95c10320 horse, the young boy, e896659631 is currently in the 2d8ba829cd conference room on the f1ec7e8ed8 first floor. Would you like 19581c0ce6 to meet him?”d2a52ab3e98ce148

“….”8c769530086a85d2

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As the af571e590f eyes of 4a91c83b05 the young 6d01825b3f man emerged 1d3ad9a4e2 as he a4a5a064f1 lowered the a2e4e4ffdb book with 2866c4f79b one hand, d58526062c they appeared 882e6d53a1 even redder b3dbabd4a8 today.82f710b22db28cd5

Like the ffbd9d5f77 sunset on 95d83cf465 the Karion 1676e73660 Plains.3c409a02162178b1

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“You guys really….”1bfec6613703c678

The young man let 94290afb71 out a short sigh, 4aabcefcac covered his eyes with d4beb79f9c the book again and 0f6aff3c23 spoke.ce3c3b14607a716a

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“I’ll take care of 8e9bdae7af it, so get out.”c44bd1f3c1b28267

Marian sauntered back to c44ed83bba the conference room and 0e08675da4 whispered softly in Luke’s ee5c67e8ee ear.95033c824d5e1467

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“Master said he doesn’t want to meet today.”0a5c53087914aee6

Luke asked ee0b33725b with a 2dc35a40c0 puzzled look.64cc88b68c95d226

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“Why?”c5d7cb0b695fbf83

Marian tilted her 5d3ee9e60c head, thought something ee4c5a7126 and whispered again.ef343ff6f27749fa

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“No idea. He seemed tired 7487805144 and was taking f91a195992 a nap.”42cf0ede0dfb8663

“….”ab0a90d69b4877a9

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Luke was 109269e106 momentarily at 8d80d41dec a loss de28baccc8 for words. Who was this 29ffea0a82 complicated and chaotic 69c2297804 situation today really ca0b0f88ce for?071f971a53724539

He (Tomma) clearly said 14f01614e4 he wanted to have 7880e9b372 a natural meeting!8fe6901f5d29d97b

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And he (Luke) ede8abc198 also created a 41fafbf441 proper opportunity!9530352bc31d9f8a

It was truly a 7b6cc24339 challenging task to appease e586c9d739 such a difficult master.b3facd3703abd4fc

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* * *534452b3ea29c0fa

In a large and 15af66b842 splendid carriage heading toward adb78e3efd the capital.39fc2b39e6cc0f4f

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Klisha received 6280d38f10 help from 2e3ae37ddc Tomma Ryuiken 6cafaacb62 in exchange 96277a9ccb for Shukrim fb6c0d5f1e whom she a8fbfe5a47 had left a2138db496 as collateral. The young man with 9a1934189e black hair and red dc7f6b916c eyes, whom she met a2702de7e8 ‘coincidentally’ on her way 1da77ee607 out of the Tomma 79cba2494c Holdings Headquarters, suggested that b17dc7af85 she accompany him, saying 39c110326f that he was also 52f921561c heading to the capital.d75f868afade5d24

However, the young f4ddbc0e1e man had regretted 5d8d4c75cb choosing the carriage 010b21172b more times than fe7428202a he could count e8515b8894 since they set f1db3afedd off.96b600b4516cadf6

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“I know a bit about the Archduke of the North. I’m quite the enthusiast. He’s strong and handsome, and above all, he’s exquisite in bed.”b8f3037704a82a05

A Northern Archduke 1997b0054b enthusiast?8db15ea511250393

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Exquisite?a00cfc9a3946f066

The young man touched 39f55b0dc4 his forehead in regret.2fa0ea2f4a4245b0

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“No, My Lady. Where on earth did you get such information?”5d5ac72ae0c4e6b8

The true identity of 0e219109c1 Tomma Ryuiken, the ‘Northern 57fe13b8de Archduke of a Different 1f7de93585 Country’, no, the Archduke d87f0b8660 of Servan Empire, ‘Eugene 19c0cb241a Wigner’, felt his mouth 48b94366a4 dry, leaving a prickling c1c346445d sensation in his throat 63d48a575d at Klisha’s words.ba88cf7a3d246f94

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“My Lady. Do you know that b9e56e7521 the ‘Archduke’ of ‘Northern’ b68965537f Perza, the lord of 22e9ae9409 Bartier and Serie Mountain 441e523009 in the northeastern part bd70b46e2c of the Empire, has 596a90e8ee blonde hair and blue ca4ad8e189 eyes?”a1dd82b6b9802a85

Klisha tilted her b04375723a head.0f3b2feb7923bec7

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“Are you 3cd18276b7 talking about e3c0b926d2 His Highness 06b21be39c the Grand 62a3ebfbbd Duke of e8712c62f6 Bartier? I’ve never met 5bce634621 him, but what f8f739a752 does he have 47f9730969 anything to do 833d9d0013 with me?”40a6a46b04aafd2f

“….”a796ba4f3442bf14

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Eugene stared e3e42007f4 blankly at 978e48dbd1 Klisha, unable fd5046c2d1 to refute.359fc7e5d1fcf35a

Regardless of his expression, 712f4534d8 Klisha continued to praise b3d10d9367 the ‘Northern Archduke’ as 4d894344b3 usual.8c400289b2865d2b

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Gentle… Cool… Sexy…3271a64cf95eaf79

Eugene, who 7cd390752a had been d0efb90beb listening to 7553479ec9 serious nonsense dcff636097 the whole d82fd3e17b time, felt 1c5707ef74 a headache 83b1637a9c coming on.74361f27be3ee2ef

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“Lady. How do fc117bf133 you know 1167af56d0 that ‘Archduke’ 8a489359a5 is sexy 98adf38982 when you’ve 71a233ab22 never met 67c59394e2 him before?”3e60cb87d6dd9228

Klisha lifted 793c9acce5 her head d984c1e580 and briefly 254e21dee3 gazed into 486fba0b13 Eugene’s red bc9211ff65 eyes, then 2413ba0cd3 lowered her c6e03310bf dark almond-shaped e844dfb58d eyes and 27d3f3517d said nonchalantly.553e5e41c49f5824

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“It’s not that kind 5cf1b15d20 of sexy that could 665e3d7bc3 be explained.”960587cbd120ad9f

“….”a9c91feba517541a

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Eugene bit 99ea60d522 his lower 9fadf1c00b lip without 7c858cc205 realizing it.9e43ac7c00c9617e

The truth became even d34ca8dcad more elusive.d6273fba4f7164f8

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