Dawn Spider

Chapter 163 These two little rascals have been bad since they were little
Qianguo Mountain.

Jin had not visited for five or six years.

The familiar landscape garden, the spider silk that once guided the golden vines to climb, still hangs on the trees. The divinely bestowed seed of the Golden-mouthed Scorpion Tree remains unchanged at 155 divided plants.

Years have passed, and everything seems to remain unchanged.

"Lord of the Wild Indigo Mountain!"

"Xiangpu!"

"Sky blue!"

The main spirit of Red Cone Mountain resonates and shouts.

"exist!"

The spiritual power and intent of the Lord of Wild Indigo Mountain emanated from the depths of the dense forest on the south side of the mountain peak.

"Jin, Taro, you're here too?"

"Is this warrior Silver from Mount Sukui?"

The Lord of Wild Indigo Mountain rushed over.

Xiang Pu followed closely behind and ran over.

After a warm greeting and introduction,
Jin asked, "Where's Tianlan? Isn't it in the territory?"

The Lord of Wild Indigo Mountain said, "The Leaf-toothed Golden Green Mud Bee Warrior is not good at managing territory. The Sky Blue's advantage lies in flight and searching. After evolving into a high-level warrior, it will go into the wild jungle to search for wild divine seeds whenever it has time."

"Oh……"

Jin asked, "Will you be back after dark?"

"Yes."

The Lord of Wild Indigo Mountain answered.

Xiang Pu asked, "Jin, did you make transactions on Ivory Island last year?"

Kim replied, "Yes."

Xiang Pu asked, "I also heard that you guided the Eshu Insect King to dig up the ruins of a settlement of alien civilization's Force Warriors, and unearthed many good things."

"I dare not mentor a highly respected insect king."

Jin explained, "I was just passing by with the Dragonfly Warrior, Dafeng, on our way to make a deal..."

Jin discovered another benefit to digging up ruins: he unintentionally became famous on Borneo and Ivory Island. Wherever he went, and whatever insects he interacted with, they would immediately ask about the ruins after only a few words.

Kim tells the story of excavating relics on Ivory Island for the Nth time.

After finishing his story, he chatted casually about the transactions on Ivory Island.

"Xiangpu, what is your current evolutionary level...?"

"7-year-old stage".

"Has it not evolved at all over the years?"

"Xiang Pu is still young and has the divinely bestowed seed of the Golden-Mouthed Scorpion-Tail Banana. He can exchange it for some divinely bestowed primal force food every year. So he is not in such a hurry to evolve. He should eat as much divinely bestowed primal force food as possible to ensure that the advanced breakthrough to the Mountain Lord level is foolproof."

"Including Tianlan, it can also wait. After Xiangpu evolves into a mountain lord, we can help it exchange for a batch of divinely bestowed primal force food to consolidate its physique before it breaks through."

Is Xiang Pu young? How old is he this year?

"27 is old."

"..."

Is 27 years old still considered young?

High-level Zerg warriors only have a lifespan of around 100 years, so 27 years old is not considered young.

The key is to consider the evolution and growth after the Mountain Lord level.

Even mountain lord-level warriors only have a lifespan of a little over 200 years. After 120 years of age, their bodily functions begin to decline, and they enter the aging period, at which point the risk of failing to molt and evolve skyrockets.

You're 27 years old, why aren't you breaking through to the Mountain Lord level? What should you do after reaching the Mountain Lord level?
The Golden-Mouthed Scorpiontail Banana, with a five-fold increase in the number of Divine Seeds it can propagate, is considered a very good Divine Seed. As for the Elephant Cattail, given its current situation, it can probably reach Lord level through slow, steady progress, but reaching Insect King level is definitely out of the question—there's not enough time or resources.

Looking at the Lord of Wild Indigo Mountain and Elephant Catkins, it's clear that they didn't even consider the direction of the Insect King.

These wild warriors, without the care of elders or the support of their own kind, see becoming a lord as the ultimate goal in their lives.

Unless a miracle occurs, and one or two more divinely inspired seeds are found or cultivated.

However, the probability of this happening is almost zero.

"..."

"Fourth Brother~"

Silver's single eye, its pale red light flashing intermittently, gently suggested: "Try our loan services?"
Jin looked at the Lord of Red Cone Mountain and said, "Lord of Red Cone Mountain, aren't you in a hurry to evolve into a 5-year-old?"

The owner of Red Cone Mountain mumbled, "I'm still quite anxious."

Silver immediately jumped up and said, "Liar! You just told me not long ago that you weren't in a hurry to evolve into a 5-year-old."

The Lord of Red Cone Mountain: "..."

Jin said, "That's fine, Lord Red Cone Mountain. I'll give you a raise this year, with an annual salary of 6 Primogems worth of divinely bestowed Primogems food. Your evolution can be paused for a while, and this 6 Primogems worth of divinely bestowed Primogems food can be lent to Elephant Pu."

"???"

The Lord of Wild Indigo Mountain and Elephant Catkin conveyed their questioning spiritual thoughts.

The Lord of Wild Indigo Mountain shook his tentacles vigorously and said, "Isn't this inappropriate? It's inappropriate."

"suitable!"

Jin said, “Life is short, like Pu, don’t waste too much of your life at higher levels.”

"Next year, the Lord of Red Cone Mountain will lend you 6. That should be enough to evolve into an 8th-age advanced warrior, right?"

Xiang Pu glanced at the master of Red Cone Mountain and said guiltily, "Enough..."

Jin said, "The year after next, I should be much better off. I'll lend you 12, and the Lord of Red Cone Mountain will lend you another 6, making a total of 18. You can eat only the food given by the gods and evolve to the 9th age."

"The year after next, we'll lend you 18 units of divinely bestowed primal energy food. If you only eat divinely bestowed primal energy food, breaking through to the Mountain Lord level shouldn't be a problem."

"The Golden-Mouthed Scorpion-Tail Banana, a divinely bestowed seed, can rest from flowering and fruiting next year to prepare for a breakthrough. It will only be considered for flowering and fruiting after it reaches the Mountain Lord level."

Jin then changed the subject, saying, "But these resources aren't lent out for free; we need to charge a small amount of interest..."

"Interest?"

"remuneration?"

The Lord of Wild Indigo Mountain and Elephant Pu both sent out questioning spiritual messages. The Lord of Red Cone Mountain raised his claw and pressed the gold down with it.

Silver raised his paw to indicate, and explained quickly, "For example, the Lord of Red Cone Mountain lends you divine-given primal force food worth 6 primal stones, and charges 3% interest every year, which means the divine-given primal force food is worth 1800 primal stones."

"!!!"

The Lord of Wild Indigo Mountain and the Lord of Elephant Pu both turned to look at the Lord of Red Cone Mountain.

"Don't listen to those two brats... I'm a spider with principles... at least I don't betray my friends..."

The master of Red Cone Mountain was at a loss for words.

Not lending it? Wouldn't that make me seem stingy?

borrow?
Collecting interest?
How can we be friends after this?

Saying such things puts you in a dilemma.
"..."

The Lord of Red Cone Mountain was speechless. He raised his paw and pressed Silver down, forbidding anyone from talking about this anymore.

"Whoosh~ La la la~"

The taro leaves make a sound when they shake.

The Lord of Red Cone Mountain: "..."

Now that we've come this far, we can't leave it at that.

The Lord of Red Cone Mountain said irritably, "Wild Indigo, Elephant Catkin, don't listen to Gold and Silver's nonsense. These two little rascals have been bad since they were young. They want to profit through paid lending."

The Lord of Red Cone Mountain said dejectedly, "Xiangpu needs it for growth and evolution. If you want to lend it, I can, but the interest is definitely not appropriate. Let's forget about it."

Such a scarce, precious, and crucial resource as God-given food is something no insect would be willing to lend unless the relationship is exceptionally close and one can trust it completely.

Although Red Cone and Wild Indigo have a good relationship, it's far from that point.

If we're going to borrow money, we definitely can't talk about 'interest,' because if we do, our friendship of so many years will be ruined.

feeling bad.

With a flash, the golden figure broke free from the claws of the Red Cone Mountain Lord, and with another flash, stood on the Red Cone Mountain Lord's back armor.

"Lord of Wild Indigo Mountain, Xiang Pu, let's do the math. What's the annual yield of the high-grade Golden-Mouthed Scorpion-Tail Banana, the divine gift? And what's the income?"

Xiang Pu understood Jin's meaning and was somewhat tempted. He truthfully replied, "155 branches, each producing 11 fruits. The fruit pulp was eaten by some warriors who had awakened metal talents. Each year, it produces 1705 God-given Scorpion Tail Fruits, priced at 4 Origin Stones per fruit, with an annual income of 6820 Origin Stones."

Jin asked, "But what if it evolves into the Mountain Lord level? It shouldn't be hard to estimate, right?"

Xiang Pu said, "The Golden-Mouthed Scorpion Tail Banana is a divinely bestowed seed with a five-fold growth rate. It is a Mountain Lord-level plant and will have 780 plants. It will produce 8580 fruits per year, and the price of a single fruit should reach 6 Origin Stones. The annual income will be as high as 51480 Origin Stones."

Jin said, "It increases your income by nearly 4.5 each year, right?"

"If you continue to accumulate like this, so slowly, how much will you accumulate in 10 years? How much in 20 years? When will you be able to evolve with peace of mind?"

"If you follow my instructions and borrow a total of 42, you can achieve a breakthrough and evolve to the Mountain Lord level in three or four years when you are in peak condition."

"After reaching the level of a mountain lord, the debt will be repaid year by year, and it will be paid off in a maximum of 10 years."

"Moreover, since the physical enhancement is in place during the advanced warrior stage, after reaching the mountain lord level, you can focus on strengthening the elemental system. Starting around age 40, you will molt and evolve every 10 years. If you eat enough divinely bestowed primal force food, like Pu, you can even try your luck against the Insect King."

Upon hearing the name 'Insect King', even the Lord of Wild Indigo Mountain was intrigued.

The Insect King has a lifespan of a thousand years.

If Xiangpu can evolve into the Insect King, then relocating to Ivory Island and settling there to develop the Ironclad Tribe could provide protection for the tribe to grow to a certain size. With a bit of luck, it could form a stable colony and pass its lineage down through generations...

Among the 100,000 insectoids of the Natural Pantheon, the Ironclad Tribe also gained a place.

Jin continued to add fuel to the fire, saying, "The Golden-Mouthed Scorpion-Tail Banana's divinely bestowed seed has a fivefold growth rate. How much will it yield annually when it evolves into a Lord-level plant? And how much will it yield annually when it evolves into an Insect King-level plant? Have you calculated that? It's such a good seed, and it's a real pity that you're not planning for it to become an Insect King! You're wasting the divine gift of the True God of Nature."

Yin struggled desperately to break free from the claws of the Red Cone Mountain Lord and said, "In the future, when Xiangpu evolves into a Mountain Lord, he can also deposit his resources here! We'll give him interest on his deposits, up to 3% per annum. He can store his resources first and then withdraw them when the time is right for rapid evolution."

Yin said, "My fourth brother and I will use your savings to continue helping insects similar to elephants, helping them evolve faster and better."

With a flash, Jin landed lightly and said, "The matter of interest-bearing deposits is still just a concept and will not be opened up for the time being. We'll talk about it in the future. For now, Lord Wild Indigo Mountain and Xiang Pu, we are all friends. Lord Red Cone Mountain and I can indeed lend you some money to help Xiang Pu quickly break through to become a Lord Mountain."

This passage left Lord Wild Indigo Mountain and Elephant Pu somewhat confused, but they understood the general meaning and their gazes turned to Lord Red Cone Mountain once again.

The Lord of Red Cone Mountain: "..."

The master of Wild Indigo Mountain said, "A 3% interest rate is acceptable; it just depends on whether Red Cone is willing to lend it to us."

The Red Cone Mountain Master was very upset and said, "I've already said I can lend it to you, but since we have such a good relationship, I won't charge interest..."

Jin concluded: "Over the next three years, the owner of Hongzhui Mountain will lend 18 to Xiangpu interest-free. I will lend 24 to Xiangpu at an annual interest rate of 3%."

"Since we're all so close, I can offer you some discounts. There will be no interest during the advanced warrior stage, and interest will be calculated after Xiangpu breaks through and evolves to the Mountain Lord level. You can use Primogems to repay the interest, but the interest rate will be increased to 5%."

"Raw stone!"

"5% interest rate?"

The Lord of Wild Indigo Mountain and Elephant Catkin looked at each other, buried their heads, and silently calculated, weighing the gains and losses.

The interest paid on the raw stones is 1.2 per year.

The God-given Force Food repays the interest, which is 0.72 million per year.

The only way to obtain God-given food is through the God-given seeds produced within one's own territory.

However, there are many ways to obtain raw stones: selling ordinary Force food produced in one's territory, using metal abilities to create production tools for sale, helping other insects with their work, or hunting down ferocious spirits for wooden beads and mist beads...

Master Ye Dian asked, "Jin, isn't a 5% interest rate too high?"

Jin: "A 3% interest rate isn't high; you can choose that."

The way Red Cone and Silver looked at Gold changed.

You really dare to ask for 5% interest?

Jin Youyou said, "The true god of nature said that pursuing one's own interests is a virtue, or the only important foundation of a proper way of life."

Yin continued, "The true god of nature also said that a society without the drive of self-interest is a stagnant pool, and a civilization that restricts individual interests will only stagnate."

"Gold, Silver, you two are at it again!"

The Lord of Red Cone Mountain was furious and raised his claw to strike, saying, "The True God of Nature never said that!"

Jin asked, "Master of Wild Indigo Mountain, what do you think of Xiangpu?"

Lord Wild Indigo Mountain gently tapped his antennae and said, "We know how to do the math. Actually, it's quite a good deal. We can lend it to you..."

Xiang Pu immediately chimed in, "Then let's borrow it!"

(End of this chapter)