Chapter 376: Borrowing a Pen, the Debtor is the Big Boss!

Chapter 376: Borrowing a Pen, the Debtor is the Big Boss!



January 10th, 2025

At the entrance of the Martial Refining Tower.

Ding, ding!

The bronze bell on the ninth-story tower gently swayed.

"Senior Sister Wang has begun!"

"Lin He failed, will Senior Sister Wang succeed?"

"I don't know!"

". . ."

Amidst the discussions of the Martial Academy students.

After just a few breaths.

The bronze bell on the ninth story of the Martial Refining Tower, which had been swaying slightly, suddenly became still.

"Did Senior Sister Wang succeed or fail?"

"I don't know!!"

After a brief conversation outside the tower, silence returned.

But Jiang Ning knew that Wang Qingtan had probably succeeded.

With her innate divinity, how could Wang Qingtan be as simple as she appeared? Her decision to enter the tower at this moment clearly showed her unwillingness to lag behind, and she must have passed with ease.

After all, the ninth story of the Martial Refining Tower was only a challenge for a Seventh Rank martial practitioner.

A moment later.

Boom—

The tower door trembled slightly and then slowly opened.

The morning sunlight shone through the door crack, illuminating Wang Qingtan's exquisite long skirt, which reflected golden rays, making her seem like a fairy koi or a phoenix goddess.

At that moment.

The bronze bells on the first to ninth stories of the Martial Refining Tower rang in unison.

Ding, ding, ding!

The sound was pleasant and crisp, filled with joy, as if celebrating something.

"Senior Sister Wang has succeeded!!!" Seeing the unusual change in the Martial Refining Tower, the Martial Academy students outside were stunned, their faces filled with astonishment.

Lin He, the top-ranked student at the Dongling Martial Academy, had just failed, so they didn't believe Wang Qingtan could succeed.

If Wang Qingtan succeeded, how could her ranking be below Lin He? Moreover, the disturbance on the ninth story of the Martial Refining Tower lasted only a brief moment.

The commotion ceased in just an instant.

This made them even more doubtful of Wang Qingtan's success.

If Wang Qingtan succeeded, it would mean that Lin He, the strongest student at the Martial Academy, had been defeated by someone who Wang Qingtan had overcome in a mere moment.

The gap between them was not just a small margin.

It was an immense disparity.

Wang Qingtan was the second-ranked student at the Dongling Martial Academy, and even if she momentarily surpassed Lin He, it was impossible for her to suddenly gain such a significant lead.

But the facts were now before them, and they had to accept it.

The simultaneous ringing of the bronze bells on the ninth story of the tower was a phenomenon that only occurred when a Martial Academy student passed the ninth story.

"Sister, congratulations!!" Wang Qinghan rushed forward, her face full of excitement.

Wang Qingtan stepped over the threshold and reached out to ruffle her younger sister's hair.

On the other side.

Lin He, seeing Wang Qingtan's dazzling figure under the sunlight, couldn't help but feel a sense of inferiority.

"In less than ten breaths, she reached the top, far surpassing me!! What a joke, a once-in-a-decade heavenly talent!"

He glanced at Wang Qingtan, then at Jiang Ning, and silently turned away.

"Brother Lin, with such a significant event, aren't you going to congratulate Senior Sister Wang?" Yan Youhu watched Lin He's sudden departure and spoke up.

"She doesn't need my congratulations. She's the daughter of the County Governor, while I'm just a commoner. We're not even from the same world!" Lin He muttered, speaking softly to himself.

He seemed to be explaining to Yan Youhu and also to himself.

"Brother Lin..." Yan Youhu sighed, shaking his head as he watched Lin He's desolate figure.

Then he looked at Wang Qingtan, the center of everyone's attention, shook his head, and hurried after Lin He.

He knew that Lin He needed his brotherly support at this moment.

On the other side.

"Congratulations, Miss Wang," Jiang Ning said.

"The ninth story of the Martial Refining Tower is nothing to celebrate. As I said earlier, no one in the Martial Academy can pose a threat to me. Climbing the Martial Refining Tower is just a formality for me. I happened to be here today, so I completed this task while I was at it!" Wang Qingtan's expression was calm and serene.

"Sister, you're so cool!!" Wang Qinghan looked at her older sister with admiration.

Seeing this, Jiang Ning couldn't help but smile slightly.

The Wang sisters were quite amusing.

Wang Qingtan lifted her chin slightly as she noticed her younger sister's adoring gaze.

A moment later.

Jiang Ning set off again.

As they walked, Wang Qingtan mentioned that there was one more place worth visiting—the Jade Book Tower.

It was the place in Dongling City with the most books, including the Jade Book Tower of the Martial Academy.

From the most mundane to the most advanced martial arts and cultivation techniques, they had it all.

"Young Master Jiang, after I show you around the Jade Book Tower, my task will be complete."

"Okay!" Walking along the forest path, Jiang Ning nodded.

"Young Master Jiang, whether it's reading or borrowing books in the Jade Book Tower, you'll need a considerable amount of credits. Especially for borrowing martial arts techniques, it's incredibly expensive. Are you sure you don't want to borrow some credits from me? The Jade Book Tower has seven top-tier martial arts techniques available for borrowing."

Wang Qingtan once again tempted Jiang Ning to borrow from her high-interest loan.

A high-interest loan with a nine-out-thirteen-return.

After learning of Jiang Ning's capabilities, she became even more eager to lend out her credits, for only by lending them out could her wealth increase.

With Jiang Ning's strength, she wasn't afraid that he wouldn't be able to repay.

In her eyes, Jiang Ning was also an extremely qualified client.

Extremely powerful, yet from a small county, the martial arts he learned must not be too profound, and there were surely many shortcomings.

In this situation, Jiang Ning was a high-quality client who was in dire need of resources but also had great potential.

Jiang Ning looked at Wang Qingtan at this moment, and a thought flashed through his mind. He then said, "It's not impossible to borrow credits! I'm also in need of some."

At this moment, Jiang Ning understood.

His previous life had taught him a lesson.

The one who owes money is the boss.

Overspending was perfect for him.

Just half a year ago, taking out ten thousand taels of silver was extremely difficult.

But now, he could easily take out ten to twenty thousand taels of silver.

The stronger his capabilities, the easier it was to make money.

With this opportunity, Wang Qingtan was wealthy enough, and she kept throwing him olive branches to tempt him.

How could he not take advantage of such a rich client?

His money would never be enough.

Even with the expected income of over four thousand Energy Points, breaking through the limit of the Water and Fire True Force required two thousand Energy Points, and breaking through the limit of Recognizing Characters also required a thousand Energy Points.

Four thousand Energy Points would be spent in just a few days.

It was the perfect time to borrow some money from Wang Qingtan.

The more Jiang Ning thought about it, the clearer his mind became.

At this moment, Wang Qingtan heard Jiang Ning's intention to borrow credits, and her face lit up with excitement.

"Young Master Jiang, how much do you want to borrow?"

Jiang Ning said, "The more, the better!"

"The more, the better?" Wang Qingtan looked at Jiang Ning with suspicion.

She still remembered that Jiang Ning hadn't intended to borrow credits just now, but now he wanted as much as possible, which made her instantly wary.

She took out her Martial Academy identity token, held it in her hand, and then said, "I can lend you a maximum of one thousand credits!"

"Can it be a bit more?" Jiang Ning asked.

"No, no!!!" Wang Qingtan shook her head repeatedly, her hair flying.

Seeing Jiang Ning's change in attitude, she felt even more suspicious.

But the words were already out, and she also considered Jiang Ning's current status and strength.

I must be overthinking! Wang Qingtan thought to herself.

Then, she firmly said to Jiang Ning, "The most I can lend is one thousand. This is already the largest amount of credits I've ever lent out."

"Alright, then! One thousand it is!!!" Jiang Ning reluctantly nodded.

But his heart was filled with excitement.

One thousand credits were equivalent to one thousand taels of gold, one million taels of silver, and one million Patrol Office contribution points!

With these one thousand credits, he could exchange for 12 bottles of Embryo Primordial Qi Pills with some left over.

Together with his own credits, breaking through the ten thousand Energy Points barrier would be a breeze.

Wang Qingtan said, "If you borrow this many credits, my previous promise will be void, and I'll have to charge a higher interest rate."

"You're being too greedy with the interest rate, aren't you?" Jiang Ning's eyes widened.

"That's right! Sister, suddenly increasing the interest rate is unethical!!!" Wang Qinghan also nodded in agreement.

"Who's this little girl's sister?" Wang Qingtan, enraged, raised her hand and slapped her sister on the head.

Please... You... Collect_6Ⅰ9ⅠBookⅠ (Six \\ Nine \\ Book \\ Bar!)



"Sister, you just said you wouldn't hit me on the head," Wang Qinghan said pitifully.

"What I said just now is void!" Wang Qingtan declared.

"Sister, a gentleman's word is as solid as a galloping horse!"

"I'm not a gentleman, I'm a woman, a young lady named Wang Qingtan!"

Wang Qinghan: "."

"Miss Wang, what's the interest rate?" Jiang Ning interrupted their bickering.

"Nine out, eleven back!" Wang Qingtan replied.

"You're increasing the interest by ten percent?" Jiang Ning exclaimed.

"Mhm!" Wang Qingtan nodded matter-of-factly, "This is a high-risk loan. If I'm greedy for your interest, you're after my principal, right?

"If you don't want to borrow, then don't!" she added.

An inexplicable feeling made her sense something amiss.

"I'll borrow it!" Jiang Ning clenched his teeth and added a reason, "I currently lack credits and cultivation techniques. The Martial Academy Library has excellent techniques, and I need this foundation."

"Good!!!" Wang Qingtan felt much more at ease when she heard Jiang Ning's reason for borrowing credits. Then she said, "Let's write the loan agreement and sign and seal it now!"

"Wait a bit longer!" Jiang Ning looked up at the sun hanging high in the sky and said.

"What are you waiting for?" Wang Qingtan asked.

"It's almost noon, the time for my cultivation practice. I'm waiting for my practice session to end!" With that, Jiang Ning's figure soared, and he instantly landed on a nearby giant boulder.

The noontime sun shone upon him, filling him with warmth.

The giant boulder beneath him, having basked in the sun all morning, also radiated a temperature that could easily cause a fire.

However, for Jiang Ning, this temperature had no effect whatsoever.

Jiang Ning sat cross-legged on the boulder, exhaling two breaths of turbid air, instantly adjusting his state.

At this moment, although there was no sundial, he knew it was noon just by observing the sun.

The giant boulder beneath him was also a spot he had found for his breathing exercises.

Sitting atop the boulder, he faced the unobstructed sun.

"Sister, what is he doing?" Wang Qinghan asked.

"He's probably preparing for his cultivation practice," Wang Qingtan replied.

"Cultivation practice?"

"Look at that crimson glow!" Wang Qingtan raised her hand and pointed to the glow from the sun above.

"What glow? Where is the glow?" Wang Qinghan asked, looking puzzled.

Hearing this, Wang Qingtan glanced at her sister, her face and body showing no signs of deception.

She suddenly looked pensive.

"Sister, can't you see the glow falling from the sun?"

"I can't!" Wang Qinghan shook her head.

"I really am different from ordinary people, and so is he!" Wang Qingtan thought to herself as she watched Jiang Ning sitting in meditation.

Meanwhile, on the other side.

Jiang Ning was absorbing the essence of the sun, and waves of heat radiated from his body. Inside, it was as if there was a blazing furnace.

"Sister, what kind of cultivation technique is this? It's so scary!" Wang Qinghan exclaimed, taking a few steps back and distancing herself from Jiang Ning as she watched the distorted image caused by the heat waves.

"I don't know much about it!" Wang Qingtan shook her head.

In the blink of an eye.

The sun reached its zenith.

"Sister, I'm hungry!" Wang Qinghan whined, patting her stomach.

Wang Qingtan glanced at her, seeing the genuine hunger on Wang Qinghan's face.

Growl—

She then heard the rumbling sound from Wang Qinghan's stomach.

"Wait here for a moment!" Wang Qingtan instructed her before turning to leave.

A moment later.

When she returned, she was holding a plucked and gutted golden pheasant.

"Sister, you're so amazing!" Wang Qinghan exclaimed, her face filled with joy at the sight of the pheasant in her sister's hand.

Then, her expression turned worried.

"But there's no fire here!"

"Starting a fire is easy!" Wang Qingtan smiled mysteriously.

It was just after winter, and the ground was covered in dry branches.

Wang Qingtan quickly gathered a pile of them.

The next moment.

Flames appeared in her hand, and with a flick of her wrist, they landed on the dry branches, instantly igniting a bonfire.

"Sister, you're so cool!" Wang Qinghan exclaimed, her eyes wide open in amazement.

Seeing her sister's reaction, a smile curved Wang Qingtan's lips.

At the eighth hour of noon.

Hoo—

Jiang Ning exhaled the heat from his stomach and slowly opened his eyes.

[Skill]: Inner Alchemy Nourishment Technique (Great Accomplishment 289/10000)



Looking at the skill panel, Jiang Ning wasn't discouraged by the mere three-digit experience points for the Inner Alchemy Nourishment Technique.

He took one step at a time, always moving forward.

With daily progress, it wouldn't be long before his Inner Alchemy Nourishment Technique reached perfection.

At that time, he would hold one of the keys to becoming a Heaven-Embracing Grandmaster.

He promptly closed the panel.

His body soared into the air, landing gracefully in front of Wang Qinghan and Wang Qingtan.

"Thank you for waiting, ladies!"

"If it weren't for the fact that I'm about to become your creditor, I wouldn't bother waiting for you!" Wang Qingtan said indifferently.

"Here, this is for you!" Wang Qinghan took out a chicken leg from behind her and placed it in front of Jiang Ning.

Jiang Ning was slightly startled, glanced at Wang Qinghan, and then smiled, "Thank you, Qinghan!"

He knew that it was not the time to refuse others' kindness.

"Is it delicious?" Wang Qinghan asked, watching as Jiang Ning took a big bite.

"It's delicious!" Jiang Ning nodded, giving a thumbs up.

"My sister caught it, my sister roasted it, and my sister is a great cook!" Wang Qinghan boasted proudly.

"Your sister is amazing!" Jiang Ning praised.

Unintentionally, a smile appeared on Wang Qingtan's lips.

Everyone loves compliments, and she was no exception.

At the age of nineteen, she still had the heart of a young girl.

The Library.

The three-story building.

It housed the most extensive collection of books in Dongling City.

The first floor contained various miscellaneous books, ranging from romantic novels to ancient records of gods and supernatural beings.

The second floor was different, housing only the most advanced martial arts books.

The third floor was the most precious part of the library, containing copies of mid-tier martial arts from the Martial Academy and seven top-tier martial arts books.

(End of Chapter)

Chapter end