HCTBAD | Chapter 13 – Need Some Quick Cash? (2)
by Angry BirdHigh-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 windows cbfc50a86e were impeccably clean, adorned 800ea339f2 with artworks of great c0e8877388 masters hanging here and ad6f43a9b6 there, and the friendly 151b46a4b4 staff were all dressed c1902acf79 neatly in uniforms. The atmosphere ffca3717b5 was luxurious, d657f11029 that was 3d85f65c57 not at 0e9c562a7b all inferior 17c23340e0 to that 90ba04a0d8 of the f07f48b28a Central Royal 0c504bf291 Bank.b7a6cb4fdce98df0
Pour.367ff20dcc50744e
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Luke poured a cup fcca204870 of tea with a b257b752e0 refreshing scent and offered ccead34f6e it to Klisha.63b7861ae4abc193
“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.”1729da904406d13e
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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 2266d0ac51 people who borrow money c29b64e7fd and don’t pay it fb46765117 back the bigger problem? It’s not c3101866c7 like we 38076e7648 dig the 0bacc68a9d ground to 335a25a4d0 do business. Every time I 051285d71f hear such stories, 95780c09fd I feel like 0b1737dfa9 sewing their mouths 3d04ad086a shut.”25203af740e018ed
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Klisha, who f05b3522b4 was momentarily 7fcf92768c distracted by fce2339515 her surroundings 98023b2ae8 and couldn’t 13b3088404 keep up 3af54cf785 with the 0155623102 conversation for 28c75fe943 a moment, 8106f59f08 replied absentmindedly.234e1261f600c5da
“Yes?”44ad6f7e6a68fe77
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“….”9ad21e989682de16
Feeling unexpectedly that the conversation wasn’t flowing well, Luke decided to change his strategy.a6b4b9d0414bddd1
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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.”
“….”284c3a09d0070704
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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.”
“….”dc47bc8007e8b423
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Luke was momentarily bbf4545989 surprised when Klisha a415ae359a didn’t seem too bae172c789 surprised or angry 3e1d4295dd about the price d501a56f1a being so high, 5ec38d4907 and just sat 089b3b23ca there blankly.c1c7c0a1db7d78ba
What? Did she really understand 84da7bde99 what was said? Or does she really 6202fb2f3e have so much wealth 8706c516f1 that this amount doesn’t 079e845307 seem like a lot cfe276c42e to her?eabb6792c82c634d
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“Ahem, ahem. Our services have 29dcecad5f different interest rates 73ba583eae depending on whether 794cfee124 there is collateral. If you have collateral, 85dc40efc6 an annual interest of 81a6cc9691 24% is added, and c7a61770e3 if there is no be297ac07d collateral, an annual interest 2bf913283a of 42% is added… 7b6b0be9fb If you miss 0908336b51 the payment date, an 9b01342acd additional penalty interest of 9c1c726fc9 12% will be added….”c072cd049382cdd9
Seeing Klisha 1a65d454f0 still lost d4b9ec6d47 in thought, c79010c19d gazing out 0b6930eefc the window, 196d0a0977 Luke began ddd27e7a29 to feel 52fb8b4585 a sense 788930991d of unease.a516ccdb39acdd27
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‘Oh, what’s going on? Really?’801e79c2382ffca7
In reality, 5f2c8848e7 Klisha had 658ee312ac zero understanding b29adda8c8 of economics. She had 16fb3ac523 never even d295ae06ad learned the c5d14dca13 ‘E’ of 289e77d62b economics. So even cd4d6db05b when the 44254096d9 old man 3dda798eb8 in front 8e764b6cc7 of her c5d3b51818 spoke about 1aa8c2e75d rates of ea7a3d86f1 24% and e584708ce8 42%, it 765e8a4c59 didn’t register 09a6b024e7 to anything 1b63569981 in her edb009380e brain.261ca72b33987a8c
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At the moment, Klisha’s mind was only spinning with twenty different ways to kill a horse.84139b37c4758942
Moreover, she thought 97f9dc0e15 she didn’t really edf4acb0c8 need to pay 12cc002567 much attention to a7f1751e48 that complicated and 23f126822a difficult explanation at 2eb0d2a57f all.31e2cb403915bc52
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If she f6dbf7ecf4 went to 4ff4421d46 the capital e2cc3f5fae to retrieve 848d595fae the trust bd65a8f0d6 funds her 6f7f0d6159 father had a60711454a set up 31f67e0a8e for her, 4a8ab58b87 it would 44a782d10d ultimately lead 27544237a0 to her 961fc99f3e father being 7820ace58c contacted anyway.842d741e0a9b437f
Her father e52f88dbc0 must have 7ce3dc8d6c probably been 7a399fee4a discovered by 2389cde518 someone (?) 7a2a0b778c by now. He must 32cf3ac756 be utterly e1b3770b8a furious and 3df1934600 set out 81bb554a7d to follow f981297bfe her traces.2ff3268772fcbbb5
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Nevertheless, since 74fec57035 she had 58c01eb3a1 come this 646731eedc far, she 5f7f1ca616 would just 36a3bb7de2 let her 1fd6cc7e88 father take fab294af3c care of 3695b2d951 it.e7f2032470fa2fd0
This might lead 3cc39a0f2d to some nagging.06995d814464cc94
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She might as 360ade43a2 well treat this 4c4cfa8b7f incident as just c0083c8322 one more thing b7ff54d01b to deal with.55ba54161350a54f
Despite her a465dbae43 shabby appearances, 6e9b96a838 as the f2dbc8d9a0 only daughter cdf4e6c4bf of a 1b9bab4b30 mid-ranking noble 730ce4c3b8 and the 4ac439d7c9 Young Lady 94e18f35a8 of Schmarin, 12a93c4b04 money held e60537d732 little more d1dbb6b3cf significance for e58ecb20d3 her than e879e168ca a convenient 9917544624 tool for 8b7e8ec9af exchange.b3f39471c6bae513
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“Well, I get 02099cd78e the gist of 80b5f1907b it. Just give me 058cccd094 the paper. I must need 70186e9ae5 somewhere to sign, 32e31f1c36 right?”64b9dc9dc4d5c789
If only e7963e9a63 Klisha had 1958cf009e known at b07c9e80c6 that time.7d9edbb9e5bbd815
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If only she 00792ccc88 had known how 69b87767f5 much this one 07750d0eda signature would multiply 806df68087 due to compound d962b384b1 interest, or the 171af9778f significant ripple effects f1a90e0405 it would create.adf4f7a600bea286
That’s why 553a8cf065 economics and 082e14cf8f finance should a20b2bf2ed be taught 9ed506de30 regardless of a9fd5ee194 age.aadbad6a38292a70
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“What are your plans regarding the collateral?”2c46434de345be2e
“Collateral? But I acac2adf15 don’t have 8284245a5d anything to 3633d60af8 entrust?”1b404d7e9ede0c3a
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Seeing Klisha looking 1224409a94 at him with 4b1fed6620 a puzzled expression, 23c5dbd72e Luke slowly turned ea816269bb his gaze out 0630bb77bf the window.2a6345782852466a
“Ahem, that horse… isn’t 87c212e9aa there your hybrid horse?”9137cdf3ccfcfe33
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“?!”6335df95fd49d9ff
“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?”ddf573329835bb36
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Klisha was momentarily 6286a1442b surprised.e42e1f9f4abd2f91
So far, no one bcfcd93eb4 had ever recognized that 2d9127ab4e Shukrim was a hybrid 0da8d25eb7 horse. Perhaps because they 5b5b323a59 were close to 2bbdf71626 the capital? It seemed like a99f5fce9a there were quite 711a071cb5 a few discerning f2bf328767 individuals around.43055ce8119b0e8e
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In that case…9df498828ee54937
Klisha turned her head b6d2ad99ae and gazed out the fa7271fa08 window at Shukrim, who 97709e6df5 was lying down dejectedly 912be4c860 on the ground, pretending 0d0ca08e30 to be asleep. If someone 8f6d303807 were to a8e0e26aff find out bea3f42b43 she had 487cd16515 taken him ffbc77670d from the bb6d4e538b capital, it 4b1e8e7a71 could cause 72789e235e trouble.8995551a294ef352
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Somehow, she recalled her father’s words, telling her not to ride Shukrim out of the territory.a979513006ac2db5
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?6bb2387520d745ac
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Therefore, Klisha 71b87fd0f3 made a a982f21972 hard decision.e675af5d684332bd
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.8bd3c333d9c6ebc3
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“If I leave Shukrim ce4637ff08 with you, will you 01634d48ed provide him with food? He can 72ad48ed2e be quite 432a6f4bcf picky with 4dd546c2a7 his food.”bfa38d877ed737dc
Only then did Luke b30f441e90 smile gently and replied.04c6616db6c32d5b
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“Do not fret. We’ll serve ff7c569ec2 him with 9bf76c5bfa the best 6c0858c1e3 service. Ah!… However, please note 9780f251b6 that there will be f9ba31c5f8 a separate fee for 4de1fe94f3 managing the collateral you 4d3ba5f34e leave with us.”b83e71c6da653424
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.ea5583cfb09a36d3
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* * *cd98d0ce52f98927
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.67c5ff54fce17039
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He hadn’t 8f11e9763d slept properly ba72ff1f37 for several 2da941c62f days, having cb7bec8579 spent the 447a3da01e night reviewing 4214e740de ledgers and 6433ace851 analyzing incoming fb5300a9f7 information from 4d83e9f144 various sources. On top of 8ebabed1e2 that, he was 1170aa88f1 already exhausted from 0d0fa7ac6a being nagged by f6082bfc26 a bunch of 59dff36393 snakes since early aa3467f05d morning, leaving him a83246a7de completely worn out.847c43b40cb16ea4
‘Huuu.’4b8e11d57b0c4df9
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The young man covered 35d05ac0a2 his face with a bfcb5fe7cf small booklet and leaned 175c2253b4 back on the large fc4a17fe25 sofa covered in buffalo 6fc69ee9e7 skin, his long legs 1245c3d4b2 stretching out as he d2eec68fe1 was lying down. His soft 4783bb477e hair was 4b8f293fd8 sparkling in 006a9827de the afternoon 105f72714f sunlight.cf5e1f2aa62f8b32
At that moment.f6a5cc2fb03105c6
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As usual, c2df1c2dc8 the clueless 3a02abdbb0 Marian burst edf8275b29 opened the c8b0bc0a30 study door b38a6e3133 and entered.352b1cb8bb1991af
“….”38de4cbec5561692
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“Master. The owner 5812e528e1 of the 43c44ee411 horse, the ba5adeb1f6 young boy, 96e3431bdd is currently fc55e62e70 in the b04fa95289 conference room 0c6354c894 on the e37535677a first floor. Would you 052f6b841a like to 6b5ff79f73 meet him?”b422bfe40ae9b1e5
“….”d6e378b6b842dc8b
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As the eyes d58d12e623 of the young 4aae9b9a6a man emerged as f6fbeab03e he lowered the 404fdadeba book with one 07333132a5 hand, they appeared 8517b4c0fa even redder today.1646bf2347c2d962
Like the sunset on a5401491e2 the Karion Plains.d403d3f88efdda7c
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“You guys really….”47d87c6d4627328c
The young man let 7ead7c5cdc out a short sigh, ddc39e56f8 covered his eyes with 984d9a8b4d the book again and 37e4fa94e3 spoke.22602c0f5dfdfc74
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“I’ll take 913db62502 care of 17acc38edf it, so b6e63f3f5a get out.”86338bbba35d9d44
Marian sauntered back to f84ebc1604 the conference room and 3d43dbb016 whispered softly in Luke’s 0b51913b5f ear.c4390abb3e67b20f
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“Master said he doesn’t want to meet today.”bfcd8089fc9140e0
Luke asked with 68e202f07c a puzzled look.09b6d5616094ae95
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“Why?”ec41a3ce90ec6790
Marian tilted 342263b379 her head, 4f5b67a77b thought something 6c99e34c4f and whispered 2660e5e6b5 again.6df83aef65c55210
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“No idea. He seemed tired 4e27ab1952 and was taking fc6c4a48f9 a nap.”cc060a197e76aada
“….”9917449a4cea0866
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Luke was momentarily at e8f69639a9 a loss for words. Who was this f95fedd195 complicated and chaotic 8deb9d65a4 situation today really 82e0cbb0fe for?42eea2e4bb2179e3
He (Tomma) clearly 1b16625571 said he wanted e3ccac6107 to have a afb1facd32 natural meeting!39cbf7b54290907d
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And he (Luke) also 407c6e219e created a proper opportunity!b26a7a4cdbbe6124
It was truly a b2c913a97a challenging task to appease 0954927e11 such a difficult master.540d2dfd87cf0437
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* * *0efeb4483db44cf7
In a large and bc8bd08f13 splendid carriage heading toward d8a8d1217a the capital.5bec985e6f275db5
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Klisha received help 05427ef061 from Tomma Ryuiken 9d71eef3a5 in exchange for b7f866707c Shukrim whom she 2b35e2ffa1 had left as 119d146f35 collateral. The young f9129e8bb5 man with 7f3da71f7f black hair 180e1bc14f and red d04140f301 eyes, whom ba00f55f12 she met f3b358c343 ‘coincidentally’ on 0b04544cfd her way ba93e3b2d4 out of 2ae6455149 the Tomma 00a0d9001c Holdings Headquarters, c2070898f1 suggested that aebe8e3f57 she accompany 6305f6bc78 him, saying 40ad4073fa that he f8bd9dc9ba was also 97d4c5ce32 heading to b22b5326ad the capital.fbddef8e873402f7
However, the young 72422b4f24 man had regretted 74ee8b4011 choosing the carriage 320d733648 more times than 8af4facf56 he could count 7880e482de since they set 1c2b8d5d42 off.964f9a11e72bc70e
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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.”50a99005119c99a7
A Northern 7845709157 Archduke enthusiast?197ef8a619246066
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Exquisite?092c691f5fd1630f
The young man 72720dca28 touched his forehead 08aa9390d7 in regret.addb8397fd9a17db
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“No, My Lady. Where on earth did you get such information?”85f01f06cad32af1
The true identity of 29129ee9bd Tomma Ryuiken, the ‘Northern 33e127bac5 Archduke of a Different 22ac1229b2 Country’, no, the Archduke 5a5579e5be of Servan Empire, ‘Eugene 1b89198e38 Wigner’, felt his mouth c6f53d3700 dry, leaving a prickling 4a4edc3bfa sensation in his throat 66132f1563 at Klisha’s words.7d0559e52b78c7e0
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“My Lady. Do you know that 0936ee67c6 the ‘Archduke’ of ‘Northern’ 0d10cd840e Perza, the lord of d9f2fcbef2 Bartier and Serie Mountain d57ca24cb5 in the northeastern part 4f2cb1ae27 of the Empire, has a412d17dd9 blonde hair and blue edb423a95e eyes?”f7d01a9109cca4d8
Klisha tilted her head.a8c8a48247ce4acb
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“Are you a2395206cd talking about 53fccde266 His Highness 4b4252090b the Grand ad21120cb0 Duke of dc08a2504c Bartier? I’ve never met him, f1f05986ed but what does he f816a2217f have anything to do bae4b8edf5 with me?”11d132ffc1107c6c
“….”6aa8a98b3eab7b0b
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Eugene stared 3ee007d376 blankly at 79dfece633 Klisha, unable a6d965f4f5 to refute.d42f75e5d5952bb1
Regardless of his 1027843bf5 expression, Klisha continued 1a82648820 to praise the af69f0d7bb ‘Northern Archduke’ as d248ff9075 usual.1dc00f5e71200e41
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Gentle… Cool… Sexy…de75a79eb9292e63
Eugene, who 43427a729e had been c5820d5704 listening to 1ce9083f29 serious nonsense 6c009d0a8c the whole 199ab298c3 time, felt 6ce6879465 a headache e2cc55645b coming on.67c8f76963e344e3
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“Lady. How do you know 67a457338d that ‘Archduke’ is sexy e9de0a7925 when you’ve never met 9fed4549b1 him before?”276dfba29346c2b9
Klisha lifted her 3c11b2f161 head and briefly ef938f2845 gazed into Eugene’s ad675941e9 red eyes, then c69da6a160 lowered her dark 68d5f991a1 almond-shaped eyes and 12fced9d2d said nonchalantly.180be341256a8921
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“It’s not that kind 4418735185 of sexy that could 78634a2eb4 be explained.”ec349827db948d8a
“….”54cb3184b86e6596
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Eugene bit his b407869311 lower lip without 67f3ea228b realizing it.e351cfdbef2f38b5
The truth became 50382b472e even more elusive.a1906d7ab1dcf04a
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