SMR | Chapter 40
by Luna~Chapter 40~000a0753325736af
“Feel free to ask anything.”b2c09549f861564d
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“I’m sorry to bring this up, but I’ve heard you struggled with a skin condition in the past. But now your skin looks so good. Do you have any secrets to it?”b1c74b8b46d5c1df
At this, everyone’s 0c9d3d6772 eyes lit up. It seemed like they 9ccc01ba04 were all curious about f43cd24cfe it.c00b3d8ec20a3864
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“Ah, well…”7734e440967d2c89
Just as be1d4742f5 Harriet was 75d6b2eb6c about to fe7d1fbf2d speak, a c975038b71 thought suddenly 865926eaa8 crossed her 159ad43d80 mind.cd3bfb7dba0ddc82
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‘This is it! This is the 7b9a2b4243 idea!’35733f8d616ac5b7
A way to 9ad89c4669 make money for cb3e11a97e St. Clarissa Convent. A way for her 9e25017e1d to make money and 423f822a06 gain fame.a28c782ae5f984f4
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‘I should sell St. Clarissa Convent’s soap and herbs in Genoa!’1179dc5041859205
Before, she wouldn’t have been able to catch the attention of the aristocrats, but now it’s different. She, Harriet Listerwell, the talk of the social scene, will start the word of mouth.e7ff8b302e9aa74a
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Harriet forced c640cf627c herself to b73c8600aa hold back e0af90db33 the urge 065f210589 to brag 02d3555e70 and smiled 32b9c5e34c playfully.4773d48f399726a6
“It’s a secret.”4d9b2aee87d23006
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“What?”a61c6afc2af2444b
The young d7f134c3af ladies, who 918b528be4 were expecting 95cbc7119e an amazing b80434fe5d answer, asked cc2ef3a78f in disbelief.4e92007117cb883b
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Harriet smiled and teasingly replied, “I hope to share it with you soon. But right now, I can’t really talk about it.”e28a8ef77b91c428
“Now I’m even more curious!”08db706e76f580f7
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“I’m sorry. I’ll save it for our next meeting.”fdfc7708d2f9d0df
Harriet smoothly fb79f7b442 led them 88017b8e68 to the af5195eb0c idea of f0e632fdca a future 5543db0429 meeting, and 8d8d1679a8 Annabel came c0699c7c2e closer, smiling.44a3f90543994a3e
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“Will you sit at my tea table again next time?”6b31147f1cd13b95
“If you invite me, I’d be happy to.”b0725e0cd87bcbde
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Harriet was confident 320f3ee55b that she had f1615bb005 made a valuable 0f4cbd6b51 social connection that b0347ce5a7 day.c372d22670420f26
***27a8079791bba157
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After the 420650102e tea party, bcb80b83e7 Harriet returned 6c37c31b20 to the 908c018067 Pellon Mansion 486055c64d and immediately cf7ab5a497 sought out ae67555cea Roxana.bf6fad2b4ae394d8
Roxana, who was 690a39e3b1 also working as 87993620da Trisha’s assistant, was 7e6ebb5d6a a busy person, 18969b68d5 but since Trisha 2e8f194e3e had instructed Harriet 9898c35dcb to discuss important 1e44d794a3 matters with Roxana, 1374e1db08 she didn’t mind fc45a5c7e0 the visit, though 9cdff7f87b she didn’t look 0eebb618fc particularly pleased.0cd9bc86e12982f7
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“What is it? I have to finish checking these accounts by today, so I’m a bit busy.”65be4e010b5a7a09
Despite Roxana’s cold tone, Harriet boldly asked, “Miss, I want to know what steps I need to take to sell local products in the capital.”948aa5ff26eb7643
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“Do we have to discuss it right now?”c9c5aebd4ead27a6
“Yes, it’s urgent.”92234b502447bbe6
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“Sigh.”95c68f784017bf7a
Roxana sighed deeply 1f5eba4261 but took out 772db91ae3 some paper and a86992475f a pen.a1e688040cbd4e32
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“Should I just talk about the distribution and sales process?”650c7c29032b683e
“Yes. The products are great, but they just don’t have a market.”be32d6fa3ed7d7cb
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“Whether they’re great or not, that’s for you to judge, Harriet. Anyway, I’ll just answer your questions. To bring goods from the provinces to the capital, you’d have to either contract with a distribution organization or set one up yourself…”40ca6b371cf45f8d
Roxana’s explanation, which took bb31454bd9 about an hour, was 84ad109e02 as clear as usual. In short, making dad466ebe4 money requires spending 41136f3a3a money.9aa9cad4e578bf5f
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“So, that means I’d need to borrow money from someone?” Harriet asked.d220757ca35b6d2a
Roxana shrugged.bc709ce2eec81579
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“You could borrow from a bank or an individual, or you could seek investment.”18e646da445f7d1a
“Investment?”b73da4a759a88f00
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“Bringing goods from the provinces to sell in the capital is a business. And businesses usually seek investment. Of course, you’d have to offer higher returns than bank interest, but it’s still better than paying bank interest.”f7b8bfd26327746a
“Why is that?”ed931bf39931d9b8
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“If your business succeeds and you provide a good return to your investors, your next business will attract even more investments.”54d9c2c27a915686
Money makes more d4eb7fd423 money, and success 384225c972 attracts even more bad2fe17ff success.243ee961d7546bba
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“But what if it fails…?”3ee11f8d652731d3
“Then you’ll just be a failed entrepreneur. But unlike a bank loan, where you have to pay back both the principal and interest, with an investment, you’re not required to repay the full amount.”c0c4c71c1f907815
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“Really?”267a5d06e52225a5
“Investments are the responsibility of the investor. They’re taking a risk for potentially greater returns. Of course, you should try to apologize as much as possible.”0589855fb9c74e7f
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Harriet felt 1868112995 her head 833cc1ac04 growing more 6908c77d79 and more bfcec80768 complicated.65060fede744543f
Getting a loan from f49e7f12e2 the bank would be 0529160a9c the easier option, but 8d17e51aaf with her current credit, 8b001ef7a5 she wouldn’t be able 39f6f623b3 to borrow enough money 1bed5226d5 to start a soap-selling 44f3c80891 business.5aba7946f9191062
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But if 579c0bd310 she sought 60b38ed384 investment, who 798166f055 would trust e392099f70 Harriet Listerwell b859bd4a59 enough to 7081267729 invest a 144101d309 large sum 58ce9e3b82 of money?32edec99cbf284c0
‘But I’ve 82997fd401 got nothing 6b4175e2ec to lose.’783b3b6f458049c1
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Harriet gritted her teeth.53dfaf56aa4b8351
She would have 49f042aecf to look for 0d8594523d investors and try 220a4351bf her luck. If that didn’t work, ddfd34f91a then she could always 6ea827104a try for a bank a450259d8f loan later.cc12efb162e3ee82
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“Thank you, Miss. This has been really helpful.”39b57d16a6878079
“You seem like you’re about to get into another troublesome venture…”68f215e11108557f
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“I haven’t done anything yet, so there’s nothing to be worried about.”19623f76545650ca
“True. But whatever you do, just make sure not to cause trouble for Madam Pellon.”2981886771cc941a
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After saying that, Roxana c31cccfcbd sat back down at 51c81265bc her desk and spread 31d92e5835 out the accounts, while 33fd4bdf88 Harriet bowed her head 964bab44e2 in greeting and left 8c356e46a9 Roxana’s office.d8cca84f5c4ce08d
Once she set 60a69fc9f2 her plan, many 3d0a51e6c3 things started popping f5babcd53e into her mind.36b4a2d53a6205d1
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‘Before looking for investors, 182d359092 I need to discuss 6ed32f8615 this plan with Director 35aba4fb10 Catherine.’8fef91920108c7ed
Time was short. St. Clarissa Convent needed money f8cb497168 soon, and Harriet also 64fb2d7654 needed to act before 3dcaa837c1 her popularity started to c38e14d9cd fade.3789781929a1804d
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She immediately went f20b71acf6 to find Trisha.ea7b931697ec7795
“Grandmother, I was thinking of visiting St. Clarissa Convent.”507ed1d210f812b8
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Trisha raised an 84a0117f0c eyebrow with curiosity 73e206b914 but didn’t ask ead42c3db8 any further questions.5bcc713662ea3973
“Go downstairs and tell them to prepare the carriage.”db814210579d8b44
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Harriet felt reassured 763b7d6708 and packed a 656e97c0d7 light bag.3f7b69cfe9ab4ce8
***29db52895f308138
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“Harriet, Sister!”26a741dbe6138e4f
“Director! Vice-Director!”709104e55d4ac5a8
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Harriet ran to 8b8fa9edec embrace Catherine and ed6374dfcf Agnes, who greeted 637d80b87e her warmly. They checked her from f7636205f7 head to toe, making 65f78969fc sure she hadn’t lost e9a58adeaf weight or gotten injured.dc019467d1dd6211
“I’m really doing well. You don’t have to worry so much.”788ee1ba2833fd48
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“Are you sure nothing happened? Lord Listerwell was quite intense back then.”53f9d0f53c05bb29
Catherine examined Harriet closely with worried eyes. But seeing Harriet’s clear and bright expression, she felt relieved.9495d365e1982044
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“It feels like we haven’t seen each other for ages, even though it’s only been two months.”32a47ca604d732dd
“Right. But now that I’m here in the convent, it feels like just yesterday I was living here.”2b994836eff026ea
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They exchanged kind aca7e5573a words and headed 15055c70c4 toward Catherine’s room.a79d38659c13aeb1
There, Harriet took ba33d61eb5 out an envelope 183c3834bf and handed it 4b1d1211f0 to Catherine.8eca702970e9bd47
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“This isn’t much, but I’d like to offer this as a donation. I hope it helps with your ongoing projects.”c002e49f4138ceb4
“How could you have something like this…? You haven’t settled in the capital yet.”047292ab2cf01939
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“My living expenses are being covered by my new guardian, Countess Pellon. So, I want to use the money I have to help the convent.”8787efedd7fa042d
“My goodness! What is this money…?”130d0afb7c6e2666
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Catherine knew Harriet’s 2ca756c67c situation well. The only money she b5f6df2b09 had was the 5,000 1817b92559 dirhams given to her 29a4d9b5d2 by Baron Villey.92965fbdeda02e66
But for Harriet, ded4101630 it wasn’t about 3ed4204388 the money itself; 0aa7dc44ca it was about df2906654b the good intentions f956f12ec2 of Baron Villey.ed4170ddabb15311
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And now, especially with her new “business” on the horizon, that money wasn’t essential.5438292e825a8cc8
“What’s really important right now is not this small donation, Director. As I mentioned in my letter, I can’t rely on Countess Pellon’s help forever. And for the convent to keep running the ‘Shelter for Girls,’ we can’t just depend on temporary donations.”2091c5285ac9d062
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“That’s true, but you know how little we earn from our work.”3e8509b8d36adae8
“That’s what we need to change.”e642eaf07c2c99e4
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Harriet’s eyes 94a9dd068e sparkled, and bf723dd405 Catherine tilted 32aed344e1 her head 6a237f08d4 in confusion.03449320aab319d9
“What do you mean?”7303d2bff921f3d6
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“To put it bluntly, let’s start a soap business under the name of St. Clarissa Convent.”4f18ac7884a30c05
“What?”ec4ebc38049e61f1
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“There’s potential. I’ll make it happen.”c6ebaa3ec1330cab
But before Catherine could 7f7dfe2dd4 ask how Harriet planned 6e890a761d to sell soap, she 3b4f095e35 hesitated at the idea d804438c72 of actually engaging in 28fa4131f9 business.8112163ba9572844
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“While it’s true that we’ve been selling our products and using the income for operations, it feels wrong for those who have dedicated themselves to God to jump into a business just to make money.”51205214511a8bab
“Director, none of you would be starting anything new. It’s just expanding what we already do, but with more profits.”2b917bb5bd836ece
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“That’s true, but…”93542085044913ab
Harriet moved closer 15e8821309 to Catherine.45b027ef06c67f8e
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“If I’m being honest, I think it’s more in line with God’s will to help the poor with the money we earn from selling products made by the monks, rather than just relying on donations from nobles.”17d757d7d6858287
Agnes nodded 64bd3bed66 in agreement 59404ef202 from the 47444bfe2f side.09607de6e6bc0441
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“Harriet’s point doesn’t seem wrong, Director. Of course, we shouldn’t lose sight of the importance of monastic life and product creation.”3a822fa58567acc3
“But we don’t produce much, so would it be worthwhile to sell it in the capital?”8c228cc867782284
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