A perfect life begins with changing the timeline.

Li Muxuan's first stop was Guangfa Bank for a simple reason: it's a local bank in Guangzhou, and it's also the bank that issued his bank card.

The taxi took him all the way to Linjiang Avenue, where he immediately saw the impressive Guangzhou branch building.

I got off the bus, paid the fare, and went into the bank.

Believe it or not, maybe it was just psychological? When Li Mu walked into the bank and saw the staff member in a suit and uniform greet him, a feeling arose in his heart for the first time:

"Yes, the service was good."

He didn't have this kind of smile when he first opened a bank account at Guangfa Bank near the school gate.

Li Muke vividly remembers the noisy atmosphere of a group of students crowding in front of the window to apply for bank cards.

"Hello, sir, what service do you need?"

Faced with the middle-aged woman's question, Li Mu nodded slightly in polite response, and uttered a sentence:

"Large deposits".

"..."

The middle-aged woman was taken aback, as if she hadn't heard clearly, and asked:

"Would you...say it again?"

"Large deposits".

Seeing the other party's reaction, a smile appeared on Li Mu's face.

That suppressed radiance finally erupted at this moment.

Although no one paid attention, an indescribable joy had already appeared on his face.

……

The leather sofa in the VIP reception room of Guangfa Bank's Guangzhou branch feels very nice to the touch.

This was Li Mu's first impression.

And the decor is also very high-end.

After explaining his purpose at the door, he was invited here.

This gave Li Mu a small boost to his vanity.

Then a manager named Wang Fan received him. When he explained his purpose, Wang Fan immediately said he understood. However, when he heard that Li Mu was a customer of Guangfa Bank and that the money was in his savings account, but no staff member had contacted him, his expression became somewhat puzzled.

But the other party immediately demonstrated their experience, first apologizing for the bank's mistake, and then asking Li Mu a very direct question:

"Has Mr. Li changed his phone number?"

Li Mu was taken aback, then looked as if he suddenly understood.

I finally understand why, even though this huge sum of money has been in my account for so long, not a single bank employee has contacted me.

The contact number he used when filling out the bank card application was his own pager.

After saving up to buy a cell phone during his senior year of college, he stopped using pagers long ago.

No wonder no one has contacted him.

However, these were minor issues. After confirming that the other party had not done it "intentionally," Li Mu went straight to the point:

"Manager Wang, I heard that interest rates on large deposits are negotiable?"

Wang Fan smiled and nodded:

"Yes, especially for a major client like Mr. Li, our bank will definitely offer you the most satisfactory terms..."

……

Li Mu arrived at Guangfa Bank at around 10:30, and left at 11:50.

Wang Fan personally delivered it.

They also exchanged phone numbers.

But Li Mu did not agree to his conditions: 8%, and the so-called exclusive financial investment advisory team that followed...

He had to admit that, according to Wang Fan, Guangfa had a significant advantage.

Located on the coast, it has an open investment outlook.

They claim to grant every request, and their clients report astonishing returns on their investments each year…

To be honest, the conditions are really good.

He gets 8% on deposits alone, and an experienced investment team to manage his assets.

However, adhering to the principle of comparing prices from different banks, Li Mu did not immediately agree to the offer, but instead planned to inquire at several other banks.

Manager Wang Fan was indeed knowledgeable and experienced. He seemed to have seen through Li Mu's concerns. When he saw Li Mu out, he said that such matters did require consideration from multiple perspectives, and that if Li Mu had any questions or doubts about other banks, he could contact him at any time.

This made Li Mu a little embarrassed.

But this was a big deal after all. After saying goodbye to the other party, Li Mu, who wasn't hungry at all, thought for a moment and headed straight for the nearby ICBC.

Although the ICBC staff had already left work, the Guangfa Bank staff promised that their dedicated customer service would be available 24/7. Logically speaking, ICBC should also have a corresponding mechanism.

And the facts have proven this to be true.

Even though it was lunchtime, after hearing his request, the ICBC staff still invited him into the VIP reception room to receive him.

The other party's terms were a bit less favorable, only 6%, but they guaranteed that ICBC was a state-owned bank, minimizing the risk. However… frankly, Li Mu felt their thinking was somewhat rigid, lacking the flexibility of banks like Guangfa Bank.

So after staying for a while, I left my phone number and got up to say goodbye, saying I would think about it.

Then I went straight to the China Construction Bank next door.

Time flies, and the afternoon passed by in a flash.

Li Mu rushed home to clock out before leaving get off work, declined Sui Kuan's dinner invitation, and headed to the driving school with a head full of thoughts.

That afternoon, I visited all four major banks, and also went to Pudong Development Bank, Shenzhen Bank, and others.

He found that eight percent seemed to be the limit. (Note 1)

Just as I was pondering this, the phone rang.

When he looked at the caller ID, he saw it was Wang Fan calling.

"Hello, Manager Wang."

"Mr. Li, hello. Do you have a moment right now?"

Hearing what the other person said, Li Mu deliberately moved away from the other driving school students, walked to a corner, and said:

"Yes, Manager Wang, is there anything I can help you with?"

"Mr. Li, are you free tomorrow?"

Li Mu thought he would ask her how she had thought things through, and just as she was thinking about how to answer, she was caught off guard by the question.

"Uh... tomorrow?"

"Yes, Mr. Li. As I mentioned this morning, we have a very large investment and wealth management team dedicated to serving our major clients. We regularly host investment receptions for our clients. If you are available tomorrow, would you be able to join us? It's in the afternoon at the Dingjin Entrepreneurs Club at our Guangfa Bank headquarters. There will be an investment salon in the afternoon and an entrepreneurs' banquet in the evening. On behalf of Guangfa Bank, I sincerely invite you to attend."

"Well……"

To be honest, Li Mu actually became quite interested.

After this afternoon's experience, besides the deposit interest, what I really wanted to see was what kind of supplementary services these banks offered.

However, tomorrow's interview...

After thinking for a moment, he said:

"I'm not sure if I can make it by tomorrow afternoon."

"That's alright. I'll send you an invitation first and have it delivered to your residence. How about that?"

"No need, you can keep it for now. I'll contact you tomorrow if I have time."

"OK……"

A moment later, after the call ended, Li Mu received the address of the so-called "Dingjin Salon" from the other party.

After replying politely, he went straight to practice driving.

10 pm.

After washing up, he lay down on the bed and closed his eyes.

……

Inside the dark space.

"Who are you?"

Upon hearing the questioning voice, Li Mu was first taken aback, then his eyes lit up with ecstasy and he immediately looked in the direction of the voice.

But when he saw the person opposite him, his ecstasy turned into astonishment.

Own……

Or rather, "Li Mu" was sitting in a rather unusual wheelchair, resting his chin on something that looked like a joystick, looking at him.

? ? ? ?

What's going on?

Why did the dream suddenly reappear?

and……

Why am I in a wheelchair?

(Note 1: I specifically asked a friend who works at a bank about this part of the story. Normally, 8% to 10% is indeed the limit, but back in the 1990s, banks could offer up to 13% interest on large loans. This was told to me personally by my friend's mentor at the bank, so don't take it too literally.)