Chapter 55: Chapter 49 The Second System Assessment_2 ... It was nearly midnight, and Tang Qing kept refreshing his personal information. He knew the system would send a notification, but he couldn’t help it, like a gamer waiting for a high score. Tang Qing remembered an advertising line from a game he used to play in his past life: "Three yuan to dominate, five yuan to become a master, ten yuan to act like an ancestor." Someone even made a funny video where he spent ten yuan, strutting about expecting reverence, and when no one called him an ancestor, he called customer service asking "Why? We agreed I’d be the ancestor, right?" The thought of it made him chuckle. "November exam results - Passed." The system’s voice interrupted his wandering thoughts, and Tang Qing quickly pulled up his personal info: Host Name: Tang Qing Level: 2 Experience: 50/200 This month’s loan quota: 0/1 million This month’s personal quota: 20/20 million (Overdrawn through end of December) Withdrawable assets: 4.98 million Spirit: 51+50 Physical Fitness: 49+50 Origin Qi Value: 50 Exchangeable foreign currency: U.S. dollar Not much has changed. His experience had increased by thirty points and his Origin Energy Points had increased by five. Tang Qing then examined his tasks to see where his experience had come from. 1. Complete this month’s system recommended client loan task, detailed information in task introduction, reward: 10 experience points, completion: 0/1. 2. Complete one non-recommended client loan task, with a value of no less than 200k. Reward: 10 experience points, completion: 0/1. 3. Complete all loan quotas for the month, reward: 10 experience points, Completion: 0/100. 4. Complete all personal quotas for the month, reward: 10 experience points, Completion: 20/20. (Completed) 5. Achievement Task One: Total system loan distribution reaches 3 million, reward: 10 Origin energy points, 30 experience points, completion: 100/500 million. 6. Achievement Task Two: Total system loan principal recovery reaches 1 million, reward: 5 Origin energy points, 10 experience points, completion: 50/1 million 7. Achievement Task Three: Total individual loans from the system reach 500k, reward: 5 Origin energy points, 20 experience points, completion: 30/500k. 8. Achievement Task Four: Host’s own assets reach 5 million (excluding system personal loans and rewards). Reward: 10 Origin energy points, 50 experience points. The experience for the first four tasks has doubled. Clearly, he overdrawn his personal loan limit for the month, completing the fourth task and earning ten experience points. He also saw that he completed the task of having 500k in personal assets, gaining twenty experience points and five Origin Qi points. All this summed up to exactly thirty experience points and five Origin Qi points. Additionally, he noticed that the money he earned from his foreign currency exchange business is not considered his own asset by the system, otherwise, adding his personal account and his restaurant’s assets, he would have reached 5 million. Just his cash alone amounted to 4.98 million. This was a minor disappointment. However, this strengthened Tang Qing’s resolve to invest in real industries. If he encountered good opportunities in the future, he would definitely invest heavily. It looks like completing Achievement Task Four is quite challenging. Real industries generate wealth, while finance is about the redistribution of wealth. Stock markets and futures are zero-sum games. They don’t create any wealth; money merely moves from one person to another. The euphemism that trillions of dollars have been "steamed" out of the stock market means nothing, it simply indicates that money has exited the stock market. Some may say the money has been earned by someone else, but not a cent has actually disappeared. At the same time, Tang Qing began to calculate how much experience he could gain at the next evaluation. Based on this, he would determine his next step. Tang Qing now had fifty experience points. The first three tasks could add thirty experience points. Achievement Task Two would complete in a few days, adding ten experience points and five Origin Qi points. Achievement Task Three was immediately achievable, which would reward him with twenty points of experience and five Origin Qi points. The asset ownership task was impossible to complete, the system only evaluates it when the monthly tasks refresh, a very pitfall-esque setup which aggravated him. There wasn’t even a progress indicator, Tang Qing suspected that it was omitted because the fluidity of free assets made it difficult to track. When the 500k loan from last month is repaid tomorrow, he will have another fifty points of experience. Add it all up and at the start of next month he would have one hundred and sixty experience points, leaving only forty points to level up. Huh? What if he set the repayment deadline for this month’s recommended customer to be the first of the next month, wouldn’t that be at least forty points of experience in his hands? Doesn’t this mean that he could level up before the next evaluation? 𝚏𝕣𝐞𝗲𝐰𝕖𝐛𝐧𝕠𝕧𝚎𝚕.𝐜𝚘𝗺 This excites Tang Qing and he immediately sat up on his bed. "Wow, this is great..." Tang Qing looked again, his spirit attribute has broken one hundred to reach one hundred and one, physical fitness was ninety-nine, just one point short. Only when both exceed one hundred will the system unlock his gene lock. Looking at Achievement Task Three, if he overdrafted another 200k right now, he could earn five Origin Qi Points immediately. However, after looking at this month’s loan client, Tang Qing abandoned this idea. After some calculations, if the client only took a 600k loan, then he wouldn’t have to waste any of next month’s personal loan quota, losing another 200k in the process. Acting impulsively out of curiosity for 200k wouldn’t be worth it. "System, why do you display my attributes this way? Why can’t you just sum them up instead of making me add them up?" Tang Qing voiced his query to the system. He had initially assumed the system showed it this way to inform of the effects of Origin Qi points and hadn’t cared much about it. He was now at level two though and clearly understood the functionality of Origin Qi points, continuing to display it in such a manner was rather redundant. "These data represent the direct effect of the Origin Qi points, which are external forces and have not yet been completely integrated into the host’s body. Once the Level 1 Gene Lock is unlocked, it will completely merge into the host’s body and be uniformly displayed." The system responded. Upon hearing this, Tang Qing understood. The Origin Qi points were an external force and not entirely his yet. Perhaps his body and the Origin Qi points were slightly incompatible. Maybe the gene lock when unlocked would fully remodel his body, though he had no clue what changes that would bring, and the system clearly wouldn’t say. Forget about it, he’d know once he repaid all the loans tomorrow evening’s and accomplish Achievement Task Two. Forget it, no point in thinking about this. It was getting late, Tang Qing lay in bed, and in no time, he fell asleep. He had a lunch meeting with Zhang Dongqing and the others tomorrow. Tomorrow evening was when last month’s system-recommended client was due to repay the loan, then the day after, he had to find this month’s recommended client to complete the loan. After that, he must find a way to get the remaining loan out. Oh dear... Tang Qing realized he was getting busier and was considering getting someone to help. You really can’t help being swept along by the tide when you’re in the Jianghu! PS: This novel will not involve supernatural powers such as superhuman abilities or martial arts. Even if they did exist, the main character would be the only one who possesses them. The novel belongs to a more real-life genre.