When is the bank most active? When you owe it money.
In the past, when I got a Black Iron user card and opened an account, I had to earn at least 30 credit points, which basically meant using up the investment quota for a week.
Now, when the "bank" discovers that you owe it money, it will immediately register an account for you, apply for a card, and remind you of the arrears.
But when he saw this card, Lu Pingan saw something more profound.
"What caused the ability to activate on its own? It was the act of owing debt... No, it wasn't it."
Maomao owed himself money before, but it was not recognized by the banking system at all, and the "15% annual interest rate" on the card gave Lu Ping'an tips and answers.
"The annual interest rate is 15%. Doesn't the contract between me and Senior Sister Hua have an annual default interest penalty of 15%?"
It is also an additional expenditure of 15% per year, which is almost explicit.
"My life bank requires the support of the contractor (contractor). Only a regularized lending relationship can be included in the bank's accounting system."
"...Fortunately, I advanced to the scholar level, but do I need to be a contracted person at the second level? Isn't that the legendary professional tool man, a laborer with no fighting ability at all?"
When in doubt, ask the big cat.
Lu Ping'an has increasingly felt that perhaps Big Mao's experience and knowledge are the most valuable piece of the "legacy" he has inherited... Ordinary high-level professionals consider social relationships and the contracts they sign.
The contract also has a taboo on pollution, so no matter how good the relationship is, we won't say much.
But Big Cat has no restrictions. She is already dead. The difficulty is actually how to make her willing to speak.
"The Contractor? It's true that he has no fighting power, but that doesn't mean he can't kill. Don't you remember that sophist? He is the advanced level of the Contractor..."
At this time, Lu Ping'an thought of the sophist.
He is a scholar at the first level, a contractor at the second level, and a negotiator at the third level, all of whom are talkative. The fourth level should also be an advancement of this kind of ability.
"And I think what your ability requires is not a contractor, but another advanced path, the lawyer, the third-level 'lawyer' (lawyer), or the further fourth-level 'judge'. Both of these career paths are
It is semi-public, and the Herrscher has basically no offensive capabilities, but the judge...can regard it as one of the most aggressive fourth levels."
Lu Ping'an immediately understood that the professions that had the best relationship with and the highest degree of compatibility with the Banking and Financial Street were naturally those litigators who played with the rules. Didn't you see that there were law firms next to or in the Financial Street?
In a sense, they are basically a symbiotic relationship. As a private force, the financial industry needs lawyers to legalize its financial behavior and cover it with a layer of "legal compliance."
It also indirectly possesses the means of coercion and even violence such as bankruptcy, liquidation, mortgage, and execution to protect the orderly operation of financial activities.
What? Lawyers serve to pursue legal fairness.
Maybe some lawyers really think so and do this, but most people, especially financiers, and banks spend money to hire lawyers to work, not to maintain the dignity and fairness of the law. They spend money to let the law
The operation of rules is more beneficial to one's own side.
Tools and methods may not be good or evil in themselves, but the users have their own thoughts and motivations.
"If I were a bank, I would not have the authority to directly determine debt relationships and conduct financial activities. I would have to go through the Lawyer...at least the power of the Contractor to regularize and legalize debt and financial relationships and incorporate them into my bank's credit
system."
At this time, Lu Ping'an instinctively sensed that the Herrscher-type ability might be a missing part of his innate abilities.
"Going a step further, the contractor's ability cannot allow him to return his life points. He just allows the other party to establish a relationship with me. The bank is still the one who collects the debt. Then, if the other party is never able to repay the debt, or an accident occurs before repayment,
If I die, can I put it into bankruptcy liquidation and..."
Lu Pingan paused for a moment, and he thought of a terrible possibility.
"...Selling his inheritance to make up for the losses. Just like the life essence module obtained from the bankruptcy and liquidation of the magic plant whose investment failed..."
Lu Pingan shuddered subconsciously. This ability was no longer evil, it was simply cannibalism.
And his supernatural instinct has told him that as long as his ability is developed to a certain extent, this should be possible!
"This ability is simply too evil, so... I still have to take good control of it!"
Lu Ping'an snapped his fingers, his conscience already flying away, and he was happily thinking about how to use this power.
The advancement of the contract recipients must be arranged as soon as possible. Relying on contract documents provided by other contract recipients is not only expensive but also unsafe.
"Moreover, it cannot be 'tailor-made', and the execution time and higher probability cannot be agreed upon... Ahem, it seems a bit much."
After thinking for a while, Lu Ping'an shook his head. In fact, it was not that scary. After all, unlike financial institutions that purely pursue profits in reality, all transactions on his side must follow the principle of fairness and justice.
"139 life points, what is this? Is it a lot?"
Senior Sister Hua's inquiry broke Lu Pingan's contemplation.
The expression he looked at the girl showed unabashed sympathy. It was no longer a question of whether she was expensive or not. It might be a question of selling her body to bury her father...
"This is the pricing method for my rule-based abilities, similar to the store coins in the secret realm..."
Seeing the confused faces of the two senior students, Lu Pingan realized that this was probably more of a secret, and it might be an additional benefit that only a few rules systems could enjoy.
"...You know about the church's credit coins? Something similar, I suspect they are imitating the store currency system of various mysterious realms."
Now, the two of them understood it, but still didn't know its value.
"Like most credit coins, one point is equivalent to about 100 yuan? Just over 10,000 yuan?"
"No, I don't know how to describe its specific value. It should be very expensive. However, what I need now is not only the professional information of the gardener type, but also the contractor type. Can you provide some?"
And soon, the two members of the "Golden Star Mutual Aid Association" knew how expensive "very expensive" really was.
When they took out all the prepared gardener information and supplemented the basic information of the contract recipient, the -139 points remained unchanged.
After Xiaolu called her instructor and asked for some relevant information about the third level, finally, the 139 points turned into 138 with difficulty.
Hua Xueyi took a breath, this thing is really outrageous.
"Sister Hua, as a professional, you seem to be too conscientious. Your estimated intelligence value is a bit high..."
Immediately, the girl was furious. You can still say sarcastic words and throw the blame on me.
"Don't worry, I won't come to you to collect debts. Even if the contract is enforced for three years, I will not enforce it."
This is Lu Ping'an's only remaining sympathy.
Lu Ping'an was also afraid that he would push the other party into a panic, so he would kill to silence the person and wipe out the debt.
Well, take a step back. She has been trying to default on the debt for three years, and she is really at a loss... Sure enough, the contractor must be arranged as soon as possible. This kind of weak penalty contract is better not to be used.
"Besides, I think you still made a profit. If I take out these things for you to buy first, will you not buy them?"
This sentence silenced Hua Xueyi again.
Is what Lu Ping'an brought out worth it? Of course it is worth it. As long as the development goes smoothly, I'm afraid she won't have to worry about losing control of her abilities for more than ten years or even twenty or thirty years. At the same time, she has also opened a path to the third level of power.
War duty elevator.
In fact, third-level intelligence cannot be obtained, but it is impossible to find one that is so suitable for you and perfectly restrains the side effects of your abilities.
This information is equivalent to guaranteeing him a third-level or even fourth-level combat power, and he is destined to become a high-level combat power with a bright future.
But it seems that if you are not careful, you will sell your life to the other party.
"One more reminder to you two, a senior has told me that under no circumstances should you take the initiative to be the buyer of a conscience contract... Well, don't glare at me, the conscience contract was proposed by you. I'll give it to you.
Take a look at the new features of this card, do you want 'deferred payment' or 'remote investment'?"
You still need to feed a date when you hit a stick. This practical card made Xiaolu excited, and she wished she could get one too.
“The number of places is limited and certain prerequisites are required before they can be provided in the future.”
At this time, Lu Pingan was not stupid enough to tell the truth and asked, "How about you also make a conscience contract?"
But since there is a contract guarantee and it is destined to have more "cooperation opportunities" in the future, Lu Ping An can take the initiative to reveal the details of his capabilities.
"Actually, you don't lose anything. Every time I 'invest' in giving you a buff, I have to consume one life point. As long as you work for me for 139 days, Sister Hua, you will definitely make money!"