Wizard: This witcher is neglecting his duties.

Chapter 165 Lord Wayne is broke

Time flies when you're studying. With Amya's help, Wayne quickly found many more books about herbs, potions, monsters, curses, and all sorts of things related to the Witcher.

Even excluding what he had already studied in Kalmaehan, there were at least five or six hundred books in total.

And these were the books he selected on the first day; he had only read less than one-tenth of the books on the entire first floor of the library.

In the Middle Ages, all books and knowledge were extremely expensive. Coupled with the imperfections in printing technology and the need for confidentiality, the value of a book generally ranged from a dozen to several hundred olans, depending on its content.

Wayne could already imagine how much money it would cost if he wanted to buy those books.

However, being able to purchase books from Aretusa College is an extremely rare opportunity for many people.

Of all the Witchers, he is probably the only one who has the ability to acquire this knowledge in a way that avoids combat and offending the Brotherhood of Sorcerers.

Thinking of this, Wayne couldn't help but sigh.

It's a pity that he built such a huge Wayne Manor in Middle-earth, hired dozens of hobbits to work for him, and developed such a large plantation. All of these investments almost exhausted all his savings, and the money in his storage bag was almost gone.

In short, Lord Wayne is broke!

Unless he opens all the treasure chests in the system now, he can barely collect close to 10,000 Orens, which is his wealth accumulated over two years.

It is now August of 1251, and the lucky day of this month has not yet arrived. He is not yet ready to open the box and draw a prize.

Thinking of this, Wayne immediately thought of Vivian and the goddess of wealth behind her. Spending one's own money is the way of an honest person, while spending the bank's money is the way of a smart person.

Perhaps it's time to find that pretty little guy and talk about business cooperation.

At dinner time, Amya led Wayne to Triss's residence, a luxurious room with a balcony located on the middle floor of a round tower. The room was exquisitely decorated, with the floors, walls, and many facilities being of the highest standard. There was also a huge, soft princess bed, and it had its own bathroom and kitchen.

All of this demonstrates the wealth and power of Aretusa Academy; in short, they are not short of money.

Out of politeness, he also invited Amy, the girl who had spent the afternoon with him, to stay for lunch.

However, perhaps due to the difference in status within the academy, or perhaps due to the girl's own personality, Amya, though somewhat tempted, declined his invitation and left the room after politely bidding him farewell.

Wayne didn't care. He glanced at the sky and, seeing that it was still early before dinner, closed the front door of the house, locked it from the inside, and went into a study near the back of the house.

He took the exquisite black purse from his belt, untied the thin gold cord, and whispered into the dark pocket inside:

"Vivian, Vivian!"

After Wayne called out twice, in less than a second, a tiny female sprite, about the size of a palm, with a stunning figure, wearing a short skirt and shirt, and black-rimmed glasses, dressed like a female secretary, flew out of the money bag.

After flying out of the money pouch, the little sprite circled Wayne's head, emitting a melodious laugh. It flew to his ear, perched on his shoulder, and planted a big kiss on his cheek. Then it flew to the table in front of Wayne, looked him in the eye with its bright eyes, and said:

"Lord Wayne, what brings you Vivian here?"

As usual, Wayne took out seven or eight gold coins from his pouch and placed them in front of Vivian as a tip. Then, under the elf's fawning, almost watery gaze, he said:

"Vivian, how much money do I have left in your wealth bank?"

Upon hearing this, Vivian answered immediately without even thinking:

"Master Wayne! Your deposit in our bank, converted to Oren, is about 532 coins, or about 650 Hobbit coins."

"Of course, we can convert any currency you come into contact with without interest or charge any fees."

Wayne nodded after listening. During his two years in Middle-earth, he had exchanged currency with Vivian many times, converting Oren from the Wizarding World into Middle-earth gold coins.

A certain level of trust and understanding had been established between the two sides. At least he would no longer use Vivian as bait for the evil god, and he also developed a certain level of trust in the power of the goddess of wealth she spoke of.

"I don't need to withdraw money, Vivian."

"Didn't you tell me before that you, like most banks, offer loan services? How is this service processed?"

Upon hearing that Wayne wanted to apply for a loan, Vivian immediately perked up, lightly patted the eight gold coins, and they vanished into thin air.

She fluttered her butterfly-like wings and flew to Wayne's side. Then, with a gentle clap of her hands, a paper contract the size of a book appeared on the table in front of Wayne.

Vivian flew happily above Wayne's head, saying excitedly:

"Mr. Wayne, we have written down all the relevant details about the loan on that piece of paper."

"Based on each customer's credit rating, you are currently a Silver customer at our bank, with a loan limit of 100,000 Oren coins, and an annual interest rate of approximately 10%."

"However, according to the rules of the Goddess of Wealth, in order to conduct loan business, one must sign a cooperation agreement with us, the Wealth Spirits."

"You cannot use the loan service during your probationary period, which you have been dragging your feet on."

Wayne had actually anticipated this situation. For the past two years, he had been using various excuses to delay and had not signed a contract with Vivian.

To be honest, he really didn't want to sign any contracts with gods, demons, or other supernatural beings. Besides the inherent danger, it would also cause unnecessary entanglements between his fate and those things, which would be quite troublesome.

However, it must be said that Vivian's cross-world banking system is really great. In addition to being able to deposit and withdraw money at any time, it also has the additional functions of loans and purchasing financial products, almost encompassing all the functions that banks have in this era.

According to Vivian's inside information, if Wayne is promoted to a Gold-level client, he will be able to unlock a feature called the Loot Acquisition Window.

He can sell the spoils of war that he cannot carry or does not need directly to the bank and obtain a deposit.

Although the selling price will be about half the market price as a handling fee, the Goddess of Wealth's bank can acquire an unlimited number of items, basically anything of value can be acquired.

It's practically the same as grinding for money by fighting monsters; you no longer need to worry about wasting the loot.

Wayne picked up the piece of paper Vivian had provided, carefully reading it three or four times to make sure there were no traps or tricks inside. Only then did he speak to the still excited little wealth sprite:

"Come on, Vivian, let's officially sign the contract! How do we sign this contract?"

Vivian chuckled, flapped her wings, flew to Wayne's right, and, under his gaze, took his index finger. Then, with a bright smile, she said:

"It's very simple to sign a contract with us, the Wealth Spirits. All we have to do is let us take a bite and suck a little bit of their blood."

"The strength of our Wealth Elf is related to the deposits our clients have in the bank and the value we bring to the Goddess of Wealth."

"As your savings grow, Mr. Wayne, my abilities will also grow stronger, and I will be able to provide you with more and more services."

"So, Mr. Wayne, are you sure you want to sign a cooperation agreement with me?"

"This is a contract without any constraints; it is simply that the Goddess of Wealth, through the breath of your blood and soul, has created a formal and protected account specifically for you."

"It will neither restrict you nor harm you."

"The Goddess of Wealth doesn't need your faith, nor your soul; all she needs is more wealth!"

(End of this chapter)