No strange things are allowed to evolve!

[Difficulty: Catastrophe]

[Introduction:]

This is the world of insurance.

There is no fancy or dazzling magic.

[Yes, but only the insurance for those who have reproduced to their peak!]

[Late Bloomer Insurance: Seal your cultivation level, and you'll still gain cultivation points every day. The more you seal, the more cultivation points you'll gain each day!]

[Immunity Insurance: Seal your cultivation level; becoming stronger when you get sick; the more severe the illness, the more cultivation you gain upon recovery!]

[The Unyielding Insurance: Seals your cultivation level; becoming stronger upon unemployment means you'll gain more cultivation points the more times you're unemployed. The more times you're unemployed, the greater your losses; the more cultivation points you gain upon finding a new job!]

[The "Hardworking and Dedicated Insurance": Your cultivation is sealed; you become stronger by getting injured while working. The more severe the injury, the more cultivation you gain upon recovery!]

[The "Many Children, Many Blessings" Insurance: Seal your cultivation level; having children makes you stronger, and the more children you have, the more cultivation you gain!]

[You were once a top expert in the insurance industry, possessing all five great success methods. Due to a failed tribulation, you were reborn right after graduating from university.]

Now, you need to rediscover your power and return to your peak!

【...】

[Mission Objective 1: Collect all five insurance techniques]

[Mission Objective Two: To be activated]

Jiang Shu opened her eyes.

He discovered that he didn't have the cultivation points accumulated over the years in his account as the guide described, which he had accumulated as starting capital for sealing. Instead, his family's dojo went bankrupt, his parents ran away, and he was in debt.

It's not like the guide describes, where you can unlock mission objective two by simply choosing one of the items; you have to collect them all.

It's not the world full of human warmth described in the guides.

Faced with powerful creditors who could fly and disappear into the sky, Jiang Shu, with a knife to his throat, belatedly realized what was happening.

"So the 'if' statement wasn't the ID of the person who wrote the guide, but rather a C language expression?"

"What else am I supposed to do?!"

Chapter 55 Sorry, but the one who owes money is the boss.

Insurance Continent is a fantasy world set in an urban environment. Those who can cultivate are called insurance agents, and they hold a transcendent status.

At the top of the pyramid are the five major sects, each possessing one of the insurance techniques mentioned in the mission description. Below these five major sects are numerous smaller sects.

Insurance is mainly divided into two categories: personal insurance and commercial insurance. Personal insurance focuses on self-cultivation, like the five major sects, which are all considered the righteous path. Commercial insurance, on the other hand, requires relying on external resources and is considered a heretical path.

The "car insurance faction" that claims that buying car insurance can improve one's cultivation level, and the "construction insurance faction" that claims that buying construction insurance can improve one's cultivation level—these factions, though numerous, are rather unreputable.

It can be said that everything in the Insurance Continent is inseparable from insurance. Even the currency is a universal cultivation level that can only be used to recharge corresponding insurance through cultivation techniques.

According to the guide, the initial conditions for the Nightmare-level Hatchery are not bad; in fact, they could be considered quite good.

Jiang Shu's cyber parents are abandoned disciples of the hardworking and conscientious school. They can become stronger as long as they are injured at work. Relying on the dojo run by their family, the two of them go to the dojo every day to challenge tough guys, and then get seriously injured. After recovering, they can become stronger.

Jiang Shu, through hard work and study, had already accumulated a sum of general cultivation points in his account. As soon as he reached the age stipulated by Heaven for starting cultivation, which was 22 years old, he could immediately deposit all of his general cultivation points into his family's heirloom, the "Hard Work and No Complaint Insurance," and embark on the path to immortality.

However, on the very day Jiang Shu turned 22, perhaps because Jiang Shu's cybernetic parents acted too flamboyantly, the true hardworking and conscientious faction discovered that someone was secretly practicing their sect's techniques and specially sent someone to clean up their sect.

Jiang Shu, returning home after celebrating her birthday with friends, pushed open the door of the dojo and discovered that her cyber parents were on their deathbeds and about to pass away.

"The cultivation technique...is right here..."

Both of them died of exhaustion.

Then, filled with deep hatred, Jiang Shu needs to uncover clues left by her parents, find the secrets of her home, and discover the truth about her parents' origins. At the same time, she will start the second mission objective: to repay them with their own methods. After successfully taking revenge, she can leave the incubation site.

This is how it should have developed.

But it seems that everything is different because of the change in difficulty.

Standing before Jiang Shu were experts from various dojos and sects that had been challenged by his cyber parents. They glared at Jiang Shu angrily, even disregarding the code of chivalry, and pointed their knives at him, an ordinary man.

He was clearly blinded by hatred.

"It's not that bad, it's not that bad." Jiang Shu carefully used her hand to push away the knife tip that was only two inches away from her neck, and calmly advised, "Let's talk this out."

"Easy to say my foot!"

The burly man carrying a knife angrily shouted:

"Your parents are liars! For years they've pretended to be hardworking and conscientious, challenging experts everywhere to win our favor, telling us they plan to merge all the dojos in this area, form an alliance, build an insurance street, and share the profits and risks."

We believed them. Out of consideration for our years of friendship, we practically emptied our savings, hoping to make the insurance street look more impressive. We even pooled our money to do a lot of advertising and promotion. And what was the result?!

Turns out, those two were late bloomers! They ran off with the money and disappeared somewhere to retire. If it weren't for this immortal master, we'd still be completely in the dark!

A man in a suit stepped forward and said seriously to Jiang Shu, "This may be a little hard for you to accept, but I have to tell you that your parents were expelled from the sect because they deceived their superiors and swindled a lot of general cultivation from their fellow disciples. Their behavior was extremely heinous."

"Hmm..." Jiang Shu rubbed his chin, his gaze falling on an inconspicuous envelope on the table in front of him.

He had checked the letter in the envelope before these people suddenly appeared.

What was initially thought to be a clue turned out to be a suicide note left by Cyber's parents.

"Son, hold on for another hundred years. Once we've become invincible thanks to our late-blooming success, we'll come back to save you!"

You damn beast!

The object of hatred has subtly changed...

"So, how much do they owe you?" Jiang Shu asked.

"Forty-three million nine hundred and sixty thousand! This is an IOU."

"Not bad, there are both small and large amounts." Jiang Shu finally felt relieved after reading the IOU.

Seeing that he was still in the mood to joke, everyone present exchanged glances.

Is he capable of paying it back?

The burly man at the head of the group tentatively asked, "Can you take it out?"

Jiang Shu shook his head: "I don't have any cents. Let alone 43.96 million, I don't even have 43.96 yuan right now."

"Then how dare you laugh?!" The burly man was furious.

"But I can find a way."

Jiang Shu waved his hand, signaling everyone to calm down, and then calmly said, word by word:

“My parents have run away. You can’t find them. The only one you can find is me. In other words, the only person who can take responsibility for repaying this debt of cultivation is me.”

Although I don't have it now, and I may not have it for a long time to come, I can promise that I will pay it back.

I know you don't believe I can pay it back, but there's no other way. You have to believe me now. It's such a large sum of money; if I don't pay it back, where else can you get it?"

At first, Jiang Shu was actually a little worried, not because she was worried that she owed too much, but because she was worried that she didn't owe much.

As the saying goes, if you owe 10,000, the creditor is your boss; if you owe 100 million, then you are the creditor's boss.

If you owe a small amount, and you encounter a kind-hearted person, they might simply forgive you and even break your arms and legs just to vent their anger. But if you owe a large amount, you have to think twice. Not only will they not break your arms and legs, but they might even have to coax and pamper you just so you can pay them back.

So when Jiang Shu discovered that Qian's cultivation level was equivalent to the entire cultivation level of a powerful figure who could dominate a region, he instantly knew that he was in the game.

This is equivalent to having a powerful figure backing him up; at least in this small city, he can do whatever he wants.

No matter what trouble he gets into, these creditors have to cover for him, unless they don't want this cultivation anymore.

After hearing Jiang Shu's words, these bigwigs all hesitated.

Despite feeling aggrieved, they knew that Jiang Shu was their only hope. If they killed him for a moment of revenge, their lives would be ruined.

Seeing that Jiang Shu understood perfectly well, the burly man in the lead sighed and told the truth: "You're a smart man. Indeed, we just came to scare you."

You didn't know your parents were these kinds of people. We're people of standing, and we shouldn't be here threatening you, but you know this amount of cultivation is just too enormous. We had no other choice. We hope you can understand.

"I understand." Jiang Shu nodded, not taking it to heart.

The burly man then changed the subject: "And you need to be prepared that we will have people watching you at all times. Until you pay it off, you will live under our surveillance. I hope you understand that."

“No problem.” Jiang Shu agreed without hesitation, quite readily.

To put it nicely, having a lot of debt isn't a burden; to put it bluntly, a dead pig isn't afraid of boiling water.

This caused some concern among the people.

"But you have to give us a deadline, right? We can't just wait for you to pay it back in your lifetime if you can't pay it back in your lifetime."

Jiang Shu thought for a moment and said, "That's the problem. I don't have the resources to cultivate, so I don't have a way to pay back my cultivation level for the time being."

"Are you kidding us?!" Everyone was furious.

"No," Jiang Shu shook his head. "I was just thinking, why don't you lend me some more start-up capital? Once I've mastered my cultivation, a little bit will just slip through my fingers and be enough to pay it back, right?"

"You mean... you haven't paid back a single penny, and we still have to keep investing? You really think we're easy targets?!"

“There’s nothing I can do about that.” Jiang Shu shrugged. “You can choose not to lend me the money, then I’ll have to go and work. But I’m a pretty particular person, and I’m not willing to compromise on my quality of life. I’ll have to spend a lot every month, so the amount I can pay back will be very limited. I can only guarantee that I will pay it back, but whether I can pay it all back before I die is another matter.”

This is outrageous!

So frustrating!

However, amidst their anger, people couldn't help but start to think about the sunk cost effect.

If I could lend him some more now, it would help him pay it back as soon as possible...

How can we trust you?

“You can only trust me, even if I have no collateral, no resources, nothing at all, you can only trust me.” Jiang Shu shrugged: “But I don’t need much, just enough start-up capital to begin my cultivation, I estimate ten thousand should be enough.”

Everyone fell silent.

They were each making their own plans.

After a long silence, and as everyone exchanged glances, the burly man spoke up: "Ten thousand is indeed not much, but we can scrape together enough for you. We just hope you can keep your word."

“I have always been a man of my word. Isn’t this the immortal master of the late-blooming school? Why don’t you ask him if I look like my parents?” Jiang Shu looked at the man in formal attire with a kind and earnest smile. “If I were one of them, why wouldn’t they have taken me with them when they ran away? Why would I be so foolish as to wait for you here?”

When he met Jiang Shu's gaze, the man in the suit remained expressionless at first, then suddenly looked away.

"Hmm...hmm! I feel like he's a good person."

“So…” Jiang Shu smiled and said, “As long as I have start-up capital, you will definitely introduce me to the elders of the Late Bloomer Sect so that I can join the Late Bloomer Sect to cultivate and clear the name of the stain left to me by my parents, right?”

"Eh...Eh?" The man in the suit seemed a little hesitant, but as soon as he saw Jiang Shu's clean smile, he felt a sense of appreciation for her talent.

Although his parents were not good people, they were talented, so their son must have been good too. And he seemed so kind, even knowing his parents' true colors, he still stayed to pay off their debts... He was responsible and had a sense of duty. It's a pity he didn't take the right path.

With that in mind, the man in the suit made a decision: "You can come with me to the 'Late Bloomers' group, but whether you can make it depends on your performance."

Upon hearing this, the creditors tentatively believed Jiang Shu: "Since the immortal master has said so, let's settle it this way."

Soon, only Jiang Shu remained in the dojo.

He shook his head helplessly, finally having time to check his current status.

The Heart of the Wilderness prevented a state initialization caused by the hatchery.

[Current Ability Stats: Strength 58, Speed ​​2, Physical Strength 2, Intelligence 1.6, Charisma 27]

The cooldown timer for the Dead Man's Pocket Watch has been refreshed.

The puppet controlled by the Necromancer's Puppetry spell has been repaired and can be reused.

Seeing this, Jiang Shu muttered to himself with interest, "So, items and skills are reset after entering the hatchery?"

Chapter 56 Jiang Shu's Blue Ocean

The moment the abbot attacked Jiang Shu, the Four Heavenly Kings summoned by the [Undead Puppet Technique] were shattered by the aftershocks and entered a repair state. The indication given was that it would take three days before they could be summoned again.

In addition, Jiang Shu used the [Pocket Watch of the Dead] again. It should have a one-day cooldown, but only two or three hours have passed and the cooldown has been refreshed.

This is good news.

Jiang Shu tried to activate the [Undead Puppet Technique] and summoned the Four Heavenly Kings.

As soon as the Four Heavenly Kings appeared, they were on high alert, guarding their surroundings.

"where is it?"

"Where is that formidable enemy from before?!"

"Watch out, I smell something..."