Tokyo, 1991: Starting as a bank clerk.

Secondly, the estimated debt gap of Liujia.

Third, a diagram showing the funding pathways and funding gaps in the development of tourism in Miyazawa.

Fourth, the legal and procedural risks associated with the letter of appointment and related authorizations.

Fifth, the risk impact on the existing 8 billion yen related claims of Mitsubishi Bank Osaka Branch and emergency response recommendations.

Yayoi Mizuna put down the last page of the bound document, practically slumped onto the table, and whispered:

"It's...it's done..."

Arima Kishou leaned back in his chair, took off his glasses, and said in a low voice:

"Finally."

Kenta Sasaki sat on the floor, leaning against the wall, his face blank.

"I feel like my soul has already clocked out early..."

Kiryu Yaya took the thick document and let out a soft breath.

Chihaya Yuri stood next to him, finished reading the last page, and reached out to press her hand on the cover.

"You can submit it now."

she says.

Kiryu Yaya nodded.

"Ah."

……

11:30.

Fifth floor.

The light in the branch manager's office, Takahiro Matsumoto, was still on.

The people in the secretary's office were already so sleepy that their eyelids were heavy, but no one dared to leave.

When Kiryu Yaya, Chihaya Yuri, and Yamada Masakazu stood at the office door, Matsumoto Takahiro was sitting behind his desk with several summaries that had been delivered over the night in his hands.

But those were just fragments.

The truly complete first version is only now arriving.

Knock on the door.

Masakazu Yamada led the two inside and handed over the documents with both hands.

"Branch Manager".

"The first draft of the emergency risk review for the Miyazawa Group has been completed."

Takahiro Matsumoto looked up.

His gaze first fell on Kiryu Yaya's bloodshot but still clear eyes, then on the cover of the thick document.

He didn't speak immediately.

He simply reached out and took it.

Matsumoto Takahiro did not speak immediately.

He simply placed the thick document, "Emergency Risk Review of the Miyazawa Group - First Edition," in the center of the table, then put on his glasses and began to flip through it page by page.

The office was quiet.

It was so quiet that only the sound of turning pages could be heard.

Masakazu Yamada, Yuri Chihaya, and Yaya Kiryu stood in front of the table, none of them urging or offering any explanation.

Matsumoto Takahiro read very slowly.

First look at the table of contents, then the difference table, and then the estimate of the actual debt gap for Rokko Golf Development.

He tapped his finger lightly twice on the paper.

After nearly five minutes, he finally raised his head.

Who was the main author of this document?

Instead of answering, Yamada Masakazu turned to look at Kiryu Yaya.

"The main framework, the consistency of differences, and the risk assessment were all done by Kiryu."

“Yayoi Mizuna was in charge of the timeline and evidence filing, Arima Kishou was in charge of authorization and legal boundaries, and Sasaki Kenta was in charge of ledgers, credit, and internal data retrieval. Section Chief Chihaya did the overall review.”

Matsumoto Takahiro's gaze fell on Kiryu Yaya, and he slowly took off his glasses and placed them on the table.

"Well written."

Just four words.

But when it comes from someone like Takahiro Matsumoto, it carries more weight than a long compliment from an ordinary person.

He flipped the document back to the first page and lightly traced a line on the paper with his fingertip.

"The structure is clear, the chain of evidence is complete, and the logic is well-connected."

"Most importantly, you did not stop at the basic judgment that 'the Rokko Golf Development Company has problems with its accounts,' but went further and saw how it transmitted the risk to our bank's 8 billion yen debt through the Miyazawa Tourism Development."

"This is a fairly mature banking mindset."

Masakazu Yamada straightened his back slightly.

Chihaya Yuri stood to the side, her expression still aloof, but a hint of approval clearly flashed in her eyes.

Takahiro Matsumoto continued:

"To be honest, this first draft wouldn't look too bad even if it were sent directly to the head office's review department."

When Yamada Masakazu heard this, his eyes lit up.

Head Office Review Department.

That was the line of sight from the Tokyo headquarters.

The fact that Matsumoto Takahiro commented on the Osaka branch's report as "not bad even if sent to the main store" is more than just ordinary praise.

But Takahiro Matsumoto did not stop.

He turned his gaze back to Kiryu Yaya, his voice steady:

"Kiryu-kun."

"Yes."

"I remembered your name when I was working with Fuji Metals."

"When Shiraishi was working on the cold machine, I thought you had the qualities for a major case."

"And what happened tonight..."

Matsumoto Takahiro looked at him and said, word by word:

"That confirmed something for me."

“You are truly qualified to be a censor.”

There was a moment of silence in the office.

For a newcomer who has been in the industry for less than a month, this is already an almost exceptional evaluation.

Kiryu Yaya lowered his head.

"Thank you, branch manager."

Matsumoto Takahiro nodded slightly, then his tone changed, becoming sharp and clear again.

"Okay, that's enough praise."

"Next, I will give instructions."

He held up one finger.

"First."

"From this moment on, these two sets of accounts will be sealed as evidence of significant risks. The originals will be signed for by both the General Affairs Department and the on-duty security guard, and locked in the branch manager's safe. Three copies will be made, one for the Financing Department, one for the Debt Management Department, and one for myself."

"No one may handle the original document alone without my permission."

"Yes."

Masakazu Yamada immediately agreed.

Takahiro Matsumoto extended his second finger.

"second."

"All new credit lines, loan extensions, additional guarantees, changes to seal authorization, and changes to account authorization for the Gongze Group and its related entities will be frozen at our bank."

"Freezing is not a rejection, it's a suspension."

"Pause until I confirm the actual situation."

He looked at Masakazu Yamada and Yuri Chihaya.