Fanatics of the Magic Academy

After giving the agent her address, Rose decided to go home.

During the journey, Rose thought that she and Tiana didn't have much in common, and that Tiana might be quite lonely.

Sending her to school requires preparation and research. Before that, you might as well buy her some interesting early childhood books.

With that in mind, Rose took a slightly longer route and arrived at a bookstore in the working-class district.

Considering that Tiana is currently illiterate, Rose chose several books that were all illustrated.

After carefully checking the contents and confirming that everything was correct, Rose then purchased it.

Somewhat to Rose's surprise, these books in this world, which don't contain much knowledge and even have bright illustrations, aren't very expensive.

In retrospect, it's even cheaper than some illustrated books from my previous life.

From this appearance, Rose glimpsed a corner of the world's technological system.

This also confirmed some of Rose's previous conjectures about this world.

Rose then walked home and arrived quickly, unlocking the door with her key.

Upon hearing the noise, Tiana immediately ran to the door.

Rose could hear Tiana's footsteps even from outside the door.

Tiana looked at the racetrack:

"You're back, Rose!"

Rose nodded and handed the book she was holding to Tiana:

"For you."

Tiana took it with some curiosity, flipped it open, and her eyes lit up with surprise:

"Oh my god, is this for me?!"

Rose nodded and said:

"Um."

Tiana opened the book, held it above her head, and twirled around happily.

She looked at the book in her hands with great interest.

Then, Rose judged that it was around 5:23 p.m., and it was time to cook.

The time perception that comes with the Ancient Dragon Follower is really useful!

We don't need to keep a clock at home anymore.

Just like at noon, Tiana helped wash the vegetables, while Rose was in charge of cooking.

After the two finished dinner and cleared away the dishes,

Tiana couldn't wait to go back to her room to read the books Rose had bought for her.

Rose returned to his room and continued reading the book Mason had given him, referring to Mason's notes.

Time flew by, and soon the night deepened. Rose lit a lamp and continued reading.

Anyway, as a fan of Gu Long, I don't need sleep.

During this process, Rose learned many words and concepts related to the field of economics.

Mason's notes contained more than just economics-related terms from the book.

It contains all the economic concepts and terms he has learned over the years, with annotations.

Rose didn't finish reading the book until the early hours of the morning.

The author of this book is clearly someone who works in the field of banking and lending.

In addition to introducing some of the most basic things, he also introduced the loan algorithm for magicians.

Rose remembers Kenneth saying that he judged the potential to be around 3rd Ring Road and took out a 40-year loan.

Rose can even be burdened with a loan of up to 150 years.

This judgment is based on a set of internal bank logic.

Of course, for a loan magician, all they can see is the interest rate, term, and monthly payment amount.

However, unless you are an insider, most people don't know that there is actually a sophisticated pricing model behind this.

The specific formula is as follows:

.......

The formula model is actually not complicated, with several parameters having high weight:

1. Life expectancy (based on the potential of the ring number and health history)

2. Age at the time

3. Risk factor for ring reduction (the age at which a mage of the same ring reduces their ring level)

4. Market risk factor (employment rate of the school of study the mage and market volatility).

5. Personal risk factor (credit history, health history, family medical history, etc.)

Of course, there are other parameters that require special calculations, but these five parameters account for the largest proportion.

According to this model, a mage with only one level of potential can typically only borrow money for a maximum of about 12 years to go to school.

The second ring road has a 30-year term, while the third ring road, where Laoken is located, can have a term of up to 55 years!

From this perspective, taking on 40 years of student loans is actually quite a small amount.

Rose thought for a while. Rose remembered that Reckon started to lose his senses around the age of 80, while he graduated in his early 20s. Adding 55 years, it was almost exactly the same age as 80.

That's incredibly precise!

As for the 150-year loan that Lao Ken mentioned, it has the potential to reach the 4th ring and has great value, such as a magician with extremely rare and strategically valuable qualities.

It seems like Roughn has high expectations for him.

As for higher ring counts?

The book didn't mention it, but Rose guessed that the fifth ring might already be beyond the kill threshold, and advancing to the fifth ring was extremely difficult, perhaps not even something that talent could determine.

Talent and model predictions can only predict up to the 4th ring.

Rose thought about it and agreed.

The magicians in this world are not like those in the fantasy works he read in his previous life.

All that's needed are objective things like simple energy accumulation, knowledge accumulation, extremely high talent, and elemental affinity.

In this world, magicians are also required to meet certain standards in terms of temperament, which must be able to support their power.

Or rather, one's temperament must be able to support the rationality one possesses and the mental power one has developed.

One must have sufficient mental fortitude to harness the power developed by the brain; the combination of the two constitutes what is known as rationality.

If one's mind is unstable and unable to harness the power developed in the brain, it will directly affect one's rationality, causing it to immediately decline.

If one's character is not up to par, one's reasoning simply cannot reach that level.

However, temperament is often extremely unpredictable and is influenced by many factors.

Some people are mature beyond their years, while others are late bloomers.

However, a person who is mature beyond their years is not necessarily more capable than someone with a normal temperament.

Those who achieve great things later in life may become more resilient with setbacks, exert their strength in the later stages, and eventually break through to the level of 5 rings.

Once you reach the fifth environmental realm, it becomes almost impossible for society to kill you.

Because I had overheard Lawrence casually mention that the highest level a mage in this world can reach is a 6th-circle forbidden mage.

The 5th ring represents a legendary mage.

Those below the 5th ring don't have any special titles; they're all considered ants.

Back to the book,

However, in explaining this model, the author also conducted in-depth social research and sampling.

In this computational model, the most important, weighted, and universally applicable parameter is a magician's risk coefficient for reducing the ring.

In other words, when will a mage's ring be lowered?

This is the parameter that makes the author uneasy; it almost represents the self-fulfilling nature of this sophisticated loan mathematical model.

The author even discovered a "paradox" in it.