"The labor cost is one million, and after discounting the price, I'll give you 800,000."
Suriel smiled slightly:
"You know the rules. This number is almost the lowest price."
"That's why I advised you to do more projects last time. If you miss the first opportunity to waive labor costs, you will be gone."
Of course Matthew knows the rules.
The labor cost of Suriel's personal enchantment is double or even 1.5 times the material cost.
The other party discounted the price to 800,000, which was already a very sincere sign.
But after hearing the price, Matthew's heart still skipped a beat.
This number is far beyond his ability to pay.
Unless he mortgaged both the cemetery and the woods, he even doubted whether he had the qualifications for a loan...
But very quickly.
Matthew relaxed a little——
It is impossible for Suriel to offer conditions that he cannot afford at all.
Firstly, this time she wanted to reward Matthew for his great help in the Margaret incident last time. There was no reason to be so unkind;
Secondly, it is not Suriel's goal to squeeze Matthew dry. Her usual style is to hope that everyone will work for him.
So Matthew was not in a hurry.
He just sat there quietly, listening to Suriel's subsequent conditions.
as expected.
But I heard Suriel say:
"The remaining second part, the things I want to give you, has a total value of 1.2 million."
"Well, let's take a look first."
The voice fell.
She reached out and handed over a document bag.
Matthew opened the document bag and found several detailed documents scattered inside, and the attachments at the back were more than a dozen contracts.
Matthew took one look at this kind of contract and felt it looked familiar.
Soon he understood.
This is Suriel’s standard loan signing. Matthew also signed such a contract when he borrowed money from Suriel before!
"IOU?"
Matthew raised his head in surprise.
Suriel smiled and said:
"It's okay to say it's an IOU."
"The loan contract in this document bag is worth two million gold coins in total. I will transfer it to you at a 40% discount. It should be a real profit for you."
"Congratulations, now you have become a glorious creditor!"
Matthew barely showed a hint of joy on his face.
He immediately carefully looked at the details of the loan contracts.
Suriel continued:
"Don't worry, what I transfer to you are all high-quality assets, and the same is true for the IOU."
"None of these claims have matured. Although there is a certain risk of breaking the contract in theory, if they all agree to repay the money, you will make a profit."
"Even if there are some twists and turns, you can still seek justice through your own means. Although I will not directly come to help you, you can do things in my name. There is no doubt about this."
Matthew nodded slightly.
Suril is right.
He quickly read through all the dozen or so loan contracts.
In this debt portfolio with a total amount of two million.
There are about 1.2 million that can be called high-quality assets.
This 1.2 million points to two mages who have a good status in the alliance, and they each share half, which is 600,000.
One of the debtors is Roderick's student, a fifth-level mage named Horry;
The other one is Margaret.
The interest rates paid by these two people for borrowing money are very low, similar to the interest rate that Su Ruier lent to Matthew before, which shows that Su Ruier still has certain preferential treatment for his own people.
Horry's contract expires in one year.
Margaret was originally due to expire this year, but was extended to six years later.
Considering that Suriel invested so many resources in Margaret.
The risk of default by these two mages is relatively low.
The remaining 800,000 loan is more interesting.
They expire after one month and three months respectively.
The one that expires in one month is the worst asset in Matthew's eyes.
The debtor is the city lord of Broken Leaf Port in the north.
Suiye Port is a famous port city in the North. Its trade status is equivalent to that of Deep Blue Port in the south, and it is quite prosperous.
Broken Leaf Port is also one of the alliance's more important bases in the North.
The city lord's probability of default is not high either.
He owed Suril 300,000 yuan, and he had paid interest every six months before.
Matthew will only have to go north when the time comes.
The face amount that expires in three months is worth half a million.
The debtor was a jailer at Mount Blackso.
But in that series of contract descriptions, Matthew discovered that the jailer participated in the "hot spring turmoil" that occurred in Mount Blackos some time ago. After the warden Alexander successfully quelled the turmoil, the jailer fled in fear of crime.
His whereabouts are currently unknown.
This guy was able to borrow Suriel's money. I'm afraid he was a big figure in the league before.
Matthew would not treat him as an ordinary jailer.
In his view, it would be difficult to recover the money.
"So, do you recognize the value of this debt portfolio?"
Suriel looked at Matthew with a smile:
"If you feel it's not suitable, I have a backup plan."
"Of course, the total value may be lower than before."
Of course Matthew would not be stupid enough to choose a backup plan.
There was a very popular saying in the league:
When you try to take advantage of Suriel, that's the beginning of your demise.
Although the debt portfolio is definitely more troublesome than cash, Su Ruier finally gave himself a 40% discount. The total face value of this portfolio is two million.
Just like Suriel said.
If Matthew is lucky, he can make a fortune!
But why does this method of packaging and selling high-quality assets and low-quality assets together look so familiar?
Or is this just the inevitable result after the capital-consuming method develops to a mature stage?
Matthew retracted his thoughts, nodded and said:
"I'm OK."
Suriel smiled gently:
"That's good."
“Next let’s talk about how to pay labor costs——
I guess you definitely don't have 800,000 in cash.
And with your level of intelligence, you will definitely not try to re-transfer the debt you just acquired to me.
If you want to borrow money from other people.
Then you might as well borrow it from me.
I have a perfect plan here——
I can loan you this 800,000 yuan immediately without any collateral or deposit;
The loan term is ten years.
If you can pay off the money within three months, then I will not charge you a penny in interest.
If not.
So how about we calculate it based on an interest rate that is slightly higher than the last time we borrowed money?"
Matthew thought for a moment after listening.
He quickly realized that the variable in Suriel's plan was the jailer from Mount Blackso!
The number three months is obviously set deliberately.
"You want me to get in trouble with that jailer?"
Matthew was thoughtful.
Suriel smiled faintly:
"I didn't say that."
"I just don't like to do things myself and am a very lazy person most of the time."
"I like when others work hard for me. It makes my blood boil and makes me extremely excited."
"Will you work for me, Matthew?"
Matthew nodded decisively.
Before it was changed, he might still be hesitant.
But things are different now.
Matthew understood that there might not be a shop like this after passing this village.
In Suriel's magic system.
Debt is an asset!
Assets are strength!
The odd celestial change is imminent, and the continent of Irondor has already been riddled with holes.
Even half of the moon was cut off.
No one knows what will happen next!
Matthew urgently needs to further improve his strength!
And Suriel's super magic package is his best choice right now!
And judging from the intensity of the discount.
A package of 800,000 yuan is equivalent to a combat power of 1 million yuan.
Suriel is really sincere.
"You are more aware of current affairs than before..."
Suriel looked very happy, her eyes turned into crescent moons when she smiled.
She stood up and took Matthew's hand cordially to sign the contract.
After signing the contract.
Matthew sat calmly on a soft sofa chair.
suddenly.
He thought of Margaret.
Did that stubborn girl have the same feelings as herself after signing the contract with Suriel?
"No matter what."
"After this operation, I will be worth 1.5 million!"
Matthew thought in his mind.
After the price was negotiated, Matthew was immediately sent to Suriel's workshop.
Because I have already experienced the transformation of spell abilities before.
Matthew's level has also been upgraded to level five.
The body's ability to withstand magic power has also increased a lot.
So this time.
Suriel poured all ten items in the super magic package into Matthew's body at once!
In a daze.
Matthew fell asleep and woke up and fell asleep again.
About six or seven hours later.
Matthew was pushed out of the workroom, and his mind gradually became clear.
He glanced back.
It was discovered that a construct was pushing its own operating table.
Suril went somewhere unknown.
Oncoming was Youruo who had been swallowed earlier.
Matthew struggled to raise his upper body.
Youruo looked at him with a smile:
"Are you awake?"
"The operation was successful, you turned into a girl!"
Matthew was suddenly shocked.
My whole body began to break into a cold sweat subconsciously.
But he reacted after a few seconds.
"Do not believe?"
"What do you think this is?"
A furry object flashed in Youruo's hand. Before Matthew could take a closer look, she put the object away and said with a smile:
"I'm not kidding, Suriel will sell you the penis regeneration technique soon..."
Matthew felt cold in several places all over his body.
This also includes the inner thighs.
Due to the effects of anesthesia and spells, his senses have indeed not yet recovered.
Although he knew that You Ruo was most likely joking, he still wanted to reach out and verify...
But with strong willpower.
Matthew still resisted the urge.
An ugly smile appeared on his face:
"It's still there."
You Ruo suddenly let out a bored sound.
Matthew felt relieved.
This Guardian of the West really loves to tease people...
However, it is still necessary to have a good relationship with the other party, so Matthew turned his brain and tried to find a topic.
Taking into account Youruo's previous tendencies.
Matthew finally asked:
"Is there really such a thing as penis regeneration?"
Youruo suddenly became interested:
"certainly!"
"Don't you know that Suriel originally made his fortune by strengthening his private parts?"
"Cock regeneration is just one of them."
"Before they slayed the dragons one after another, mages in the field of enchantment represented by Suriel did many earth-shattering things."
"They forced the Alliance to issue a restriction order on enchantment, which changed the existing alchemy landscape to a certain extent."
"You don't know how exaggerated it was back then..."
You Ruo had an old-fashioned tone.
Of course Matthew followed the other person’s words and continued:
"How exaggerated?"
You Ruo thought for a moment:
"The most exaggerated person I have ever seen is a female mage."
"That one had a Mimic sewed underneath himself."
"Then I used this trick to trap and kill many people..."
Sew...
Mimics?
Matthew couldn't help but open his mouth:
"Is this also the realm of enchantment?"
You Ruo said without any surprise:
"This is where enchantment really shines!"
Shocking!
Matthew was once again shocked by the union mage's work.
"Of course, the female mage's surgery was not performed by Suriel. She did it on herself for the sake of gain, so the spell was not very stable. It didn't take long for the Mimic to break away on its own, which can be regarded as a enchantment in the world.
Shame on you!"
"If you ask me, she shouldn't have saved that money and replaced it with Suriel. Maybe the Mimic Monster can still work now..."
You Ruo makes such a sharp comment.
Matthew could only remain silent.
"Ms. Suriel probably won't take this kind of job."
he said a little uneasily.
Youruo glared:
"You mean I'm slandering her?"
"You don't think it's normal for someone to become a divine mage, do you?"
“Where can a sofa in a normal person’s house swallow people!?”
"If you ask me, she must have secretly sewn the sofa and the Mimic monster together. This is her specialty."
Matthew thought for a while:
"But what I sensed at that time was the aura of the transformation realm."
"Ms. Suriel seems to have used a transformation spell. She turned the sofa into something similar to a Mimic..."
As soon as the words came out.
Matthew regretted it.
as expected.
You Ruo's eyes became more and more evil:
"Oh, your reaction is very sharp!"
"Are you showing off your profound knowledge in the field of transformation in front of me?"
Matthew quickly shook his head:
"No no!"
"Don't dare, don't dare!"
Youruo suddenly brought his face closer and threatened fiercely:
"You messed with me, Matthew!"
"Originally, a dirty joke can get away with me."
"Now we need three, and they must be finished within three minutes..."
Matthew's forehead broke out in cold sweat.
However, at this moment, a bloody mouth suddenly appeared from behind Youruo, and then swallowed the petite woman in one mouthful!
The bloody mouth slowly closed, and then quickly shrank, turning into Suriel's appearance.
There was a faint smile on her face, as if she didn't care about the terrifying scene that just happened:
"Ignore her."
"That woman is a lunatic. She guards the Far West every day, so she is bored out of her mind. Everyone she meets wants to have some fun, especially a handsome man like you."
"Anyway, stay away from her."
"The operation was successful. All the supernatural abilities are in place. You can give it a try."
At this time, Matthew was gradually returning to normal from his previous paralysis.
He tested all his abilities on the spot.
After everything is normal.
He immediately left Suriel's Crystal Palace.
After returning to the cemetery.
Only then did Matthew's tense nerves completely relax.
He took a careful inventory of these ten super-magical abilities.
"Spell Silence" gives Matthew the ability to cast spells smoothly by reciting spells silently in his mind.
It can cooperate with LV2's "Sign Language Casting".
Matthew tested it.
Silent spell casting alone requires about 2.5 times the preparation time, but if silent spell casting is combined with sign language casting, the multiplier can be reduced to about 1.2 times.
This is a pretty powerful combination of metamagic abilities.
At this point, Matthew's spellcasting methods were completely liberated.
As long as you are focused.
He can cast spells at any time!
"Spell Delay" is a powerful spell-casting technique that allows the spells sung by Matthew to take effect after 3 minutes or even 6 hours, giving it a chance to have the final say in certain scenarios;
"Spell Diffusion" and "Spell Empowerment" can both increase the effect of spells.
The former mainly affects the spell area, while the latter is used to increase the intensity of the spell;
"Multiple Casting" can increase the frequency of spell release, increase chance and probability of critical hits;
"Stealth Casting" is more intuitive and clear.
With this ability, Matthew will not automatically appear when he casts a spell in the invisible state.
Previously, only "Signature Spell: Deadly Scissors" had this effect.
From now on, all the spells he sings will be treated like this.
LV2's "Battle Casting" can further reduce the concentration required to cast spells in combat.
This actually improved Matthew's focus in disguise.
Therefore, the effect is also extremely huge.
Finally, there are "Spell Traceless" and "Later Strike, First Strike".
This is actually a combination of abilities.
The former allows Matthew to sing 2 to 3 spells seamlessly, while the latter allows him to freely arrange the order in which these spells are released.
Matthew had already seen the effect of this super-magic combination on Margaret before.
Just one word——
fierce!
With this combination of capabilities.
Matthew could have released a mass-destruction spell first, and then chanted a control-type spell.
As a result, the enemy is bound to make errors in judgment.
It will also be full of loopholes when dealing with it.
Just like Margaret killed the original Sphinx before——
First, use the cross cut with high damage but slow movement speed to confuse the opponent.
Then use the last-come-first-come-first-come-first-served monster immobilization technique to successfully attack.
This is a quite classic practical case.
Matthew naturally kept it in mind.
"I can also hold body and malicious transformation."
"Changing the order of spell casting can also be used to break hidden spell counters, rebounds and offsets..."
He quickly figured out the specific uses of these abilities.
Matthew can clearly feel the huge improvement in his strength.
This improvement may become more significant after a period of digestion.
But he also felt it.
I lack a stable sparring partner.
The spell range in the cemetery can only provide the most basic function.
to some extent.
He still lacks actual combat experience in evenly matched situations.
"Perhaps we need to find a magic duel arena to practice our skills?"
"There seems to be such a place in the floating city in the far north. There are also events such as the Battle Mage Competition. Or should we consider a real actual combat venue?"
Matthew yawned while thinking.
"Paige, have a cup of coffee!"
He shouted.
A familiar curse could be heard faintly from the direction of the kitchen.
But Matthew felt it had a warm feeling.
After drinking coffee, he refreshed himself and returned to the study of fifth-level spells.
The spring nights are long.
Just right for studying.
Don't waste it easily.
…
Two days later.
The "collection stone" worth 400,000 yuan is in place.
Matthew began to build a magic guild.
Among the four basic conditions, only the micro magic network is missing.
So before building a spell guild.
He must first establish a miniature magic network in the Moonglade.
This process also belongs to the field of enchantment. In theory, it is best to ask a professional mage to help.
But the magic guild is of great importance. Matthew, an ordinary mage, can't trust him, and he can't afford someone like Suriel, so Matthew can only take care of it himself.
Fortunately, the magic book given by Fan Zijue breaks down every step of building a spell guild in great detail.
Even someone like Matthew who has no achievements in the field of enchantment can complete the construction of a miniature magic net step by step by following the diagrams.
The Magic Network essentially serves guild members and guild spells.
Matthew's needs in this area are very low.
All he wants is that the guild can be established.
As for guild spells, as long as they don't prevent the most practical ones from functioning smoothly.
Therefore, when building a miniature magic net.
He chose the simplest "triangular magic circuit structure".
The so-called triangle.
It refers to the computing core of the magic network, the mana pool and its affiliated spell-casting circuits and spell-casting terminals.
The computing core carries functions such as accommodating the guild magic framework and system, recording guild member information, monitoring mana pool conditions, etc.
It is stated in the magic book.
The best calculation core is actually the godhead, followed by virtual godhead and demigod personality.
Of course Matthew has no godhead in his hand.
He originally planned to use Paige's demigod persona.
But during testing.
He unexpectedly discovered that the "Heart of the World Tree" could also assume related functions.
And it is much better than the demigod in terms of computing capacity and efficiency!
The only problem is that the Heart of the World Tree is located in the Sanctuary of Life.
The spell guild must be established in the demiplane Moonwood.
Although the book does not clearly point out the solution to this situation.
But such a small thing can't trouble Matthew.
He did several tests, then planted a small grove in the Moonglade, and then established a branch of Sanctuary of Life here.
after that.
Matthew successfully obtained a port in the Moonglade that could access the Heart of the World Tree.
After the core problem is solved.
All the steps after that are step by step——
Close, measure, and activate Moonglade's mana pool;
Create a semi-automatic spellcasting circuit in the mana pool (actually planting four mana sea anemones purchased at a high price. This creature from the etheric plane has a natural spellcasting reflex circuit, which can continuously imitate and release many constant spells.
spell);
Build a special conduit connecting the mana pool and the heart of the World Tree;
Construct magic surge channels for mana pools and spellcasting terminals;
Test the effectiveness of spellcasting;
Check for spellcasting leaks and more...
Just one week.
Matthew completed the construction of the miniature magic net.
After all, he was a necromancer and an out-and-out pragmatist, so this miniature magic network looked extremely rough from many angles.
Like a defective product.
But the good thing is that this thing is strong and durable.
Matthew has tested it.
The expected lifespan of our own magic network is three times longer than the normal one, and it can maintain effective operation for at least 40 years!
This doesn't just mean reliable.
It also means saving money.
After the Magic Network was built, Matthew used this to incorporate the Moonglade, the mana pool and its spellcasting circuit, the Heart of the World Tree, and the Magic Network branch into the spell guild system.
So far.
All the hardware facilities required by the magic guild are now complete.
After that comes the design and consistency of the software part.
This aspect is even simpler.
The magic book itself contains several templates for junior spell guilds.
Matthew found one that suited his situation and printed it directly with the transcription scroll!
Three more days passed.
The spell guild template has been transcribed.
Matthew stood in front of a huge stone deep in the Moonwood, looking at the mirror standing next to him with interest.
The mirror displays various current modules and information of the Spell Guild.
This thing should have been handled by a crystal plate with a certain granularity, but in order to save costs, Matthew directly used a large mirror instead.
The price for doing this is.
Matthew had a little trouble checking the guild information. Not only was the display not high-definition, but when he used his mental power to arrange the information, he would often call up other content because the mirror would slip.
But these can all be overcome!
Matthew's positioning of the Spell Guild has always been very clear. It is a durable and practical tool, not an exquisite and beautiful toy!
…
"Ma's primary spell skill (to be activated)
Tip: Please keep the spiritual imprints and related information of at least four initial members on the "Gathering Stone" to officially activate the Spell Guild.
The current spell guild has passed the module——
-
Guild Warehouse-
Chat room
-
Shared spells (gathering spell, member summoning spell, mage's ■)"
…
“As long as it doesn’t affect reading!”
Matthew left with satisfaction.
After a while.
The figures of Rhaegar, Richard and Zeller appeared in front of the gathering stone in Moonglade.
"Is this what you cheated me out of 600,000 yuan?"
Rhaegar looked at the information displayed on the mirror with suspicion.
"Why can't you read the words clearly?"
Matthew waved his hand, and he took the lead in leaving a spiritual imprint and basic information on the gathering stone, and then motioned for the three of them to step forward and do the same.
After doing all this.
He also distributed a copper badge polished until it shined to everyone.
"This is your certificate as a guild member. From now on, you can directly view the information of the guild and other guild members through this badge."
Matthew spoke eloquently:
"You may not be able to see it clearly when you look at it directly, but if you put the badge in the water, it will automatically activate the display function as a spell-casting terminal, and you will be able to see more detailed information on the water."
"As for the operation...well, theoretically you can control the badge through mental power to realize the guild's functions."
"However, it is a bit difficult to operate at the moment. In order to reduce costs, I did not choose the best materials to make what you have, but it should have the most important functions of a qualified spell-casting terminal."
Rhaegar asked doubtfully:
"What function?"
Matthew smiled:
"The function of proving identity."
Rhaegar opened his mouth, as if he wanted to curse out a scam.
But soon.
The three of them were all attracted by the information in the badge.
Just as Matthew expected.
Although it looks difficult.
But at least you can watch it, right?
"Huh?"
"What is the guild warehouse? Can I store things in it?"
"What is the contribution value?"
"Who is handsome Zeller? Can you still fill in your name casually?"
"Am I not a veteran? Why is my title in the chat room "Nobody"?"
"Why do I need gold coins to send messages in the chat room?"
"One gold coin can only send ten sentences?"
"Matthew, you came out of purgatory too, right?"
Faced with a series of questions from Rhaegar.
Matthew could only reluctantly choose one or two answers, and corrected him seriously:
"It's a chat room, Rhaegar."
"I just said that the guild function is not yet convenient to implement, so increasing the fee threshold is also to enhance the stability of the guild. I will ask experts to help deal with the communication network problems in the future."
"The price of the chat room will be reduced by then."
Rega played with it for a while, then rubbed his eyes and looked at Matthew thoughtfully:
"How about I vote a little more?"
"Also, when will the others join?"
"There are only four of us guys in the chat room, and there is only one girl. I am too embarrassed to strike up a conversation..."
What girl?
Matthew only thought Rhaegar was talking nonsense.
"Aren't your eyes deceived?"
He reminded:
"There are only four of us in the first batch of members."
But at this moment.
Zeller also raised his head:
"Matthew, Rhaegar didn't look at the flowers. There are indeed five guild members now."
Matthew hurriedly came to the big mirror.
There happened to be a conspicuous record flashing on it——
…
"Tip: Activation successful! Asia joined your magic guild."
…
I wish you all a Happy New Year!
In the new year, may you have abundant wealth, good health and peace!
I originally made an appointment with everyone to take a day off on the 10th, but it happened to coincide with the Spring Festival, so I didn’t take a day off.
We will continue to update, guaranteed date is 7, try to write more!