"The labor cost is one million, and I will count you 800,000 after the discount."

Suriel smiled slightly:

"You know the rules, this number is almost the lowest price."

"That's why I advised you to do a few more projects last time, and if you miss the first opportunity to waive labor costs, you won't have it."

Matthew certainly knows the rules.

The proportion of labor cost for Surreel's personal enchantment is one or even one and a half times the cost of materials.

The other party discounted himself to 800,000, which is already a very sincere performance.

But after hearing this price, Matthew still had a sigh in his heart.

This number is far beyond his ability to pay.

Unless he mortgaged both the cemetery and the woods, he doubted that he was even qualified to take out a loan......

But soon.

Matthew relaxed a little -

Surreel couldn't have offered a condition that he couldn't afford at all.

First, this time she was to thank Matthew for his great help in the Margaret incident last time, and there was no reason to be so unkind;

Second, squeezing Matthew dry is not Surreel's goal, her usual style is to want everyone to work for him.

So Matthew wasn't in a hurry.

He just sat there quietly and listened to Surrell's follow-up conditions.

Sure enough.

But listen to Surrell speak:

"The second part of the remainder, the things I want to give to you, has a total value of 1.2 million."

"Well, let's take a look."

The voice fell.

She reached out and handed over a bag of papers.

Matthew opened the file bag, and there were several detailed document descriptions scattered inside, and the attachment behind it was a dozen contract deeds.

This kind of contract Matthew looked familiar at a glance.

It didn't take long for him to understand.

This is Surrell's standard loan contract, and Matthew had signed such a contract when he borrowed money from Surrell before!

"IOU?"

Matthew looked up in surprise.

Suriel smiled:

"It's okay to say it's an IOU."

"The loan contract in this document bag is worth a total of two million gold coins, and I will transfer it to you at a sixty percentage, which should be blood for you."

"Congratulations, now you're a glorious creditor!"

Matthew barely showed a hint of joy on his face.

He immediately carefully looked at the details of the loan contracts.

Suriel continued:

"Don't worry, what I transferred to you are high-quality assets, and the same is true for IOUs."

"None of these debts are due, and although there is a certain risk of default in theory, if they all agree to repay the money, you will make a lot of money."

"Even if there are some twists and turns, you can also do justice through your own means, although I will not directly come forward to help you, but you can do things in my name, there is no doubt about this."

Matthew bowed slightly.

Suriel was right.

He quickly read through all the dozen or so loan contracts.

This total of two million claims in the portfolio.

There are about 1.2 million that can be called high-quality assets.

This 1.2 million refers to two mages who have a lot of status in the alliance, and each of them accounts for half, that is, 600,000.

One of the debtors was Roderick's student, a fifth-order mage named Horry;

The other one is Margaret.

The interest on the loans of these two people is very low, which is about the same as the interest that Suril lent to Matthew before, indicating that Suril still has certain preferential treatment for his own people.

Horry's contract expires in one year.

Margaret was supposed to expire this year, but was extended six years later.

Considering how many resources Surrell has invested in Margaret.

The risk of default by both mages is relatively low.

And the remaining 800,000 loans are more interesting.

They expire after one month and three months later, respectively.

The one that expires in a month is the worst in Matthew's eyes, and it is also a good asset.

The debtor is the lord of the northern Broken Leaf Harbor.

Broken Leaf Port is a famous port city in the Northland, and its trade status is equivalent to the Deep Blue Port in the south, which is quite prosperous and wealthy.

Broken Leaf Harbor is also one of the Alliance's more important bases in the Northlands.

The probability of default of this city lord is also not high.

He owes Surrell 300,000 and has been paying interest on a regular basis every six months.

Matthew will only need to make a trip north when the time comes.

And the one that expires in three months is worth half a million.

The debtor was a jailer at Hesso.

However, in that series of contract notes, Matthew discovers that the jailer was involved in the "Hot Springs Riot" that had occurred some time ago in Hesuo Mountain, and after the warden Alexander succeeded in quelling the turmoil, the jailer absconded in fear of crime.

It is currently missing.

This guy was able to borrow money from Suriel, and I'm afraid he was also a big figure in the alliance before.

Matthew doesn't treat him like an ordinary jailer.

In his opinion, the money is difficult to recover.

"Well, do you recognize the value of this debt portfolio?"

Suriel smiled and looked at Matthew:

"If you don't think it's appropriate, I have a backup plan."

"Of course, the total value may be a little lower than before."

Matthew certainly wouldn't be stupid enough to pick a backup option.

There was a popular saying in the League:

When you want to take advantage of Surreel, that's when you lose all your bones.

Although the debt portfolio is definitely more troublesome than cash, Suriel has managed to give himself a six-fold discount, and the total face value of this combination is two million.

As Suriel said.

If Matthew is lucky, he'll make a fortune!

But why is this method of bundling high-quality assets and low-quality assets so familiar?

Or is this just the inevitable result of the development of the way of capital to maturity?

Matthew retracted his thoughts, nodded and said:

"I'm fine."

Suriel smiled gently:

"That's good."

"Next, let's talk about how to pay for labor -

I'm guessing you don't have 800,000 in cash on you.

And with your cleverness, you certainly won't try to reassign the debt you just got to me.

If you want to borrow money from other people.

Then you might as well borrow it from me.

I have a perfect solution on my side -

I can lend you the 800,000 right now without any collateral or security deposit;

The term of the loan is ten years.

If you can pay off the money within three months, then I will not charge you a penny of interest.

If you can't.

So how about we calculate it at a slightly higher interest rate than the last time we borrowed? ”

Matthew pondered for a moment after listening.

He quickly realized that the variable in Suriel's plan lay with the jailer of Hessoshan!

The figure of three months is clearly deliberately set.

"You want me to trouble the jailer?"

Matthew was thoughtful.

Suriel smiled faintly:

"I didn't say that."

"I just don't like to get my hands dirty and I'm a very lazy person most of the time."

"I love the way people work for me, it makes my blood boil and I get excited."

"Would you like to work for me? Matthew? ”

Matthew nodded decisively.

Before the change, he may still look ahead.

But now it's different.

Matthew understood that after this village, there might not be this shop.

In Surreel's magical system.

Debt is an asset!

Assets are strength!

The odd number of days is imminent, and the continent of Aiindo has long been infiltrated.

Even the moon was cut off in half.

No one knows what will happen next!

Matthew urgently needs to improve his strength even further!

And Suriel's Super Magic Package is his best choice at the moment!

And judging by the strength of the discount.

A package of 800,000 is equivalent to a million combat power.

Suriel is really full of sincerity.

"You're more knowledgeable than you ...... before"

Surrell looked so happy that her eyes were smiling like crescents.

She got up and took Matthew's hand and went to sign the contract.

After signing the contract.

Matthew sat down in a soft sofa chair with a calm heart.

Suddenly.

He thought of Margaret.

Did the stubborn girl back then feel the same mood as herself after signing the contract with Surier?

"No matter what."

"After this operation, I will also be priced at 1.5 million!"

Matthew thought to himself.

After the price was negotiated, Matthew was immediately sent to Surier's workshop.

Because I've already had a spell ability experience before.

Matthew's level was also raised to the fifth rank.

The body's ability to withstand magic has also increased a lot.

So this time.

Surrell poured all ten items in the Super Magic Package into Matthew's body at one time!

Confused.

Matthew slept and woke up and slept.

About six or seven hours later.

Matthew was pushed out of his workshop, and his consciousness was gradually cleared.

He glanced back.

It was discovered that a constructor was pushing itself into the operating table.

Surreel is nowhere to go.

Coming to him was the Yuruo that had been swallowed up earlier.

Matthew struggled to prop up his upper body.

Youruo looked at him with a smile:

"Are you awake?"

"The operation was successful, you've become a girl!"

Matthew was taken aback.

Subconsciously began to break out in a cold sweat.

But after a few seconds, he reacted.

"Don't believe me?"

"What do you think this is?"

A fluffy thing flashed in Youruo's hand, and before Matthew could look at it, she put it away and said with a smile:

"I'm not kidding, Surrell will be selling you the second regeneration technique in a moment......"

Matthew only felt cold in several places.

This also includes the inner thighs.

Due to the effects of the anesthetic and spells, his perception had not yet recovered.

Although he knew that Youruo was most likely joking, he still wanted to reach out and verify it......

But with strong willpower.

Matthew resisted the urge anyway.

An ugly smile squeezed out of his face:

"It's still there."

Youruo suddenly cut boringly.

Matthew breathed a sigh of relief in his heart.

This guardian of the West really loves to play tricks on people......

However, it is still necessary to have a good relationship with the other party, so Matthew turns his brain and tries to find a topic.

Considering the tendencies that Yuruo had shown before.

Matthew finally asked:

"Is there really such a thing as the second regeneration technique?"

Youruo suddenly became interested:

"Of course!"

"Don't you know that Surrell made his fortune in the first place by strengthening his intimate parts?"

"The second regeneration technique is just one of them."

"Before the continuous dragon slaying, the mages of the enchanted realm represented by Surreel did a lot of earth-shattering things."

"They forced the Alliance to introduce a restriction order on magic, which changed the existing pattern of alchemy to a certain extent."

"You don't know how exaggerated it was at the time......"

It has an old-fashioned tone.

Matthew, of course, followed the other party's words and said:

"How exaggerated?"

Youruo thought about it:

"The most exaggerated thing I've ever seen is a female mage."

"That one, he sewed a treasure mimic under himself."

"And then used this trick to kill a lot of people......"

Sew......

Mimics?

Matthew couldn't help but open his mouth wide:

"Is this also a realm of magic?"

Yu Ruo said strangely:

"This is the realm where magic really shines!"

Shock!

Once again, Matthew was shocked by the Coalition Mage's work.

"Of course, that female mage's operation was not done by Suriel, she did it for herself in order to be cheap, so the spell was not very stable, and it didn't take long for the Mimic monster to break away on its own, which can be regarded as a shame in the enchantment world!"

"If you want me to say, she shouldn't have saved that money and replaced it with Surreel, maybe that Mimic monster can still work now......"

It's so sharp.

Matthew could only be silent.

"Ms. Surier probably wouldn't take on this kind of job."

He said a little uneasily.

A glare:

"You mean I'm slandering her?"

"You don't think it's normal for someone to be a god mage, do you?"

"Where would the sofa in a normal home swallow people!?"

"If you want me to say, she must have secretly stitched the couch and Mimic together, which is her specialty."

Matthew thought for a moment:

"But what I sensed at that time was the aura of the Transfiguration Realm."

"Miss Soulrell seems to have used a transformation spell, and she turned the couch into something like an Mimic......"

As soon as these words came out.

Matthew regretted it.

Sure enough.

Youruo's eyes became more and more unkind:

"Oh, you're very reflexive!"

"Is it to show off your deep knowledge of the field of transformation in front of me?"

Matthew hurriedly shook his head:

"No, no!"

"Don't dare, don't dare!"

Youruo suddenly turned his face over and threatened viciously:

"You've messed with me, Matthew!"

"A pornographic joke could have been passed with me."

"Three are needed now, and they must be done in three minutes......"

Cold sweat broke out on Matthew's forehead.

However, at this moment, a large mouth of blood suddenly appeared from behind Youruo, and then swallowed the petite woman in one bite!

The mouth of the blood basin slowly closed, then quickly shrunk into Surreel's appearance.

There was a hint of a nonchalant smile on her face, as if she didn't care about the terrifying scene that had just happened:

"Ignore her."

"That woman is a crazy woman, she guards the Far West every day, so she is bored and crazy, and she wants to have some fun with everyone, especially a handsome man like you."

"Stay away from her, anyway."

"The operation was successful, all the supermagic abilities are already in place, you can try it."

At this time, Matthew gradually returned to normal from his previous paralyzed state.

He tested all of his abilities on the spot.

After everything is fine.

He immediately left Surreel's Crystal Palace.

After returning to the cemetery.

Matthew's tense nerves were completely relaxed.

He carefully counted the ten super-demonic abilities.

"Spell Silence" gives Matthew the ability to cast spells by reciting spells in his mind.

It works with LV2's "Sign Language Castering".

Matthew tested it.

Spell Silence alone takes about 2.5 times the preparation time, but if Spell Silence is combined with sign language casting, the multiplier can be reduced to around 1.2 times.

It's a pretty powerful combination of super-magical abilities.

At this point, Matthew's spellcasting methods were completely liberated.

As long as there is focus.

He's ready to cast spells!

"Spell Delay" is a powerful spell casting technique, which allows Matthew's spell to take effect after 3 minutes or even 6 hours, and has a chance to have a final effect in certain scenarios;

Both "Spell Spread" and "Spell Potency" can increase the effect of spells.

The former mainly works on the spell's area, while the latter is used to increase the strength of the spell;

"Multicast" can increase the frequency of spell release, increasing chance and critical hit chance;

"Stealth Spellcasting" is more straightforward.

With this ability, Matthew will not automatically appear when casting spells while he is invisible.

Previously, only the "Signature Spell: Lethal Scissors" had this effect.

In the future, he will be able to chant all spells like this.

LV2's "Battle Cast" further reduces the concentration required to cast spells in battle.

This is actually a disguised increase in Matthew's focus.

So the impact is also enormous.

Finally, there are "Spell Without a Trace" and "Last Strike, First Served".

It's actually a combination of abilities.

The former allows Matthew to chant 2 or 3 spells seamlessly, while the latter allows him to freely arrange the order in which they are released.

The effect of this super magic combination has been seen by Matthew on Margaret before.

Just one word-

Violent!

With this combination of abilities.

Matthew could have cast a mass destruction spell and then chant a control spell.

As a result, the enemy is bound to make mistakes in judgment.

It's also full of loopholes.

Just like Margaret had killed the original Sphinx before—

Start by confusing your opponent with a high-damage but slow-moving cross cut.

Then use the last-come, first-served monster immobilization technique to sneak attack successfully.

This is quite a classic case study.

Matthew naturally kept it in mind.

"I'll also immobilize and malice transfiguration."

"Changing the order of spell casts can also be used to break hidden spell counters, reflections, and negating ......"

He quickly figured out the specific use of these abilities.

Matthew could clearly sense the huge increase in his strength.

This boost may become more pronounced after a period of digestion.

But he also felt it.

I lack a stable sparring partner.

The spell range in the graveyard only provides the most basic roles.

In a way.

He still lacks actual combat experience in comparable situations.

"Maybe I'll have to find a spell dueling arena to practice my skills?"

"It seems that there are such places in the Floating City of the Far North, and there are also events such as the Battle Mage Competition, or consider a real combat place?"

Matthew yawned as he thought.

"Peggy, have a cup of coffee!"

He shouted.

A familiar expletive could be heard faintly from the direction of the kitchen.

Matthew, however, felt a warm taste.

After drinking his coffee, he refreshed himself and returned to the study of fifth-order spells.

Spring nights are long.

It's perfect for studying.

It's not easy to waste.

……

Two days later.

The "collection stones" worth 400,000 yuan are in place.

Matthew began to set out to build a spell guild.

Of the four basic conditions, only the micro-magic network is missing.

So before building a spell guild.

He must first establish a constant network of miniature magic in the Moonlight Glade.

This process is also in the realm of enchantment, and in theory it is best to ask a professional mage to come and help.

But the Spell Guild is very important, and the average mage Matthew can't trust it, and he can't afford to hire Surreel, so Matthew can only check it himself.

Fortunately, in the magic book given by Viscount Fan, every step of building a spell guild is dismantled in great detail.

Even a person like Matthew, who has no achievements in the field of enchantment, can complete the construction of the miniature magic net step by step by following the map.

The web is essentially for guild members and guild spells.

And Matthew is in low demand in this regard.

He just needs the guild to be built.

As for guild spells, as long as they don't get in the way of the most practical ones.

So when it comes to building a miniature magic net.

He chose the simplest "triangular magic circuit structure".

The so-called triangle.

Refers to the computing core, mana pool, and associated casting loops and casting terminals of the magic web.

The computing core carries the functions of accommodating the guild's magic framework and system, recording guild member information, monitoring the mana pool, and so on.

It is pointed out in the Book of Spells.

The core of the best computing is actually the Godhead, followed by the virtual Godhead and the demigod person.

Matthew certainly doesn't have a godhead in his hands.

He was going to use Peggy's demigod personhood.

But at the time of testing.

He was surprised to discover that the Heart of the World Tree could also take on related functions.

And it's much better than the demigod in terms of computing capacity and efficiency!

The only problem is that the Heart of the World Tree is located in the Sanctuary of Life.

The Spell Guild must be built in the Half-Dimensional Lunar Glade.

The solution to this situation is not clearly indicated in the book, though.

But this kind of trivial thing is not difficult for Matthew.

After a few tests, he planted a small grove in the Moonlight Glade, where he set up a branch of the Sanctuary of Life.

After that.

Matthew managed to secure a port in the Moonhaze Glade that could access the Heart of the World Tree.

After the core problem is solved.

All the steps after that are step-by-step -

Close, measure, and activate the mana pool in the Lunar Glade;

Create a semi-automatic spell casting circuit in the mana pool (in fact, it is planted with four high-priced magic anemones, creatures from the Aetheric plane have a natural casting reflection circuit, which can mimic and cast many spells that have been constant);

Build a special conduit that connects the mana pool to the heart of the World Tree;

Construct a magic surge channel for mana pools and spellcasting terminals;

Test the effect of casting;

Check for cast leaks, and more......

Just a week.

Matthew completed the construction of the miniature magic net.

After all, he was a necromancer and a real pragmatist, so this miniature web looked extremely rough from many angles.

It's like a defective product.

But the good thing is that it's sturdy.

Matthew has tested it.

The estimated lifespan of your own magic net is three times longer than normal, and it can maintain effective operation for at least 40 years!

It doesn't just mean reliability.

The same means saving money.

After the magic net was built, Matthew incorporated the Moonlight Glade, the mana pool and its casting circuit, the Heart of the World Tree, and the magic web branch into the system of the Spell Guild.

So far.

All the hardware required for the Spell Guild is complete.

After that, it's about the design and constancy of the software part.

It's even simpler in this regard.

The Spellbook itself contains several templates for elementary spell guilds.

Matthew found one that matched his own situation and directly rubbed it with a transcription scroll!

Another three days passed.

The Spell Guild template has been transcribed.

Matthew stood in front of a huge stone in the depths of the Moonlight Glade, looking with relish at the mirror erected next to him.

The mirror shows the various modules and information of the Spell Guild at the moment.

This thing was supposed to be covered by a crystal plate with a certain granularity, but Matthew replaced it with a large mirror in order to save costs.

The price of doing so is.

Matthew struggled a little when checking the guild information, not only was the display not high-definition enough, but when he used his mental power to dispatch information, he often called up other content because the mirror would slip.

But these can be overcome!

Matthew's positioning of the Spell Guild has always been clear, it is a durable and practical tool, not a delicate and beautiful toy!

……

"Ma's Elementary Spell Meeting" (To be Activated)

Tip: Maintain the spirit imprints and relevant information of at least four initial members on the "Gathering Stone" to officially activate the Spell Guild.

At present, the Spell Guild has ■ through the module——

-

Guild Warehouse-

Chat ■ room

-

Shared Spells (Gathering, Summoning, Mage)"

……

"It doesn't affect your reading!"

Matthew left satisfied.

A moment later.

Rhaeggar, Richard, and Zeller appeared in front of the Gathering Stone in the Moonhaze Glade.

"This is what you made with my 600,000 yuan?"

Rhaegar looked suspiciously at the information displayed in the mirror.

"Why can't you even read the words?"

Matthew waved his hand, and he took the lead in leaving a spiritual imprint and basic information on the gathering stone, and then motioned for the three of them to step forward and do the same.

After doing all this.

He handed out to each of them a bronze badge polished to a shiny finish.

"This is your credential as a guild member, and from now on, you can directly use this badge to view the information of the guild and other guild members."

Matthew said eloquently:

"You may not be able to see it clearly, but if you put the emblem in the water, it will automatically activate the display function as the casting terminal, and you will be able to see more detailed information on the water."

"As for the operation...... Well, theoretically, you can manipulate the badge with mental power to achieve the guild function. ”

"It's a bit difficult to operate at the moment, though, and I haven't chosen the best materials to make what you have in your hands in order to reduce costs, but it should have the most important functions of a good spellcasting terminal."

Rhaegar asked suspiciously:

"What function?"

Matthew smiled:

"The function of proof of identity."

Rhaegar opened his mouth as if he wanted to scold the deception.

But soon.

The three of them were all attracted by the information in the badge.

Just as Matthew expected.

Although it looks hard.

But at least you can see it, right?

"Huh?"

"What is a guild storehouse? Is it possible to store something in it? ”

"What is the contribution value?"

"Who is the Zeller dude? Can I still fill in my name casually? ”

"Am I not a patriarch? Why is my title "Nobody" in the chat room? ”

"Why do you need gold coins to send a message in the chat room?"

"One gold coin can only send ten sentences?"

"Matthew, you also came out of purgatory, right?"

Faced with a series of questions from Rhaeggar.

Matthew could only barely choose one or two answers, and corrected him seriously:

"It's the chat room, Rhaeggar."

"As I just said, the guild function is not yet convenient to implement, so the increase in the fee threshold is also to enhance the stability of the guild, and I will let experts help deal with the communication network problem in the future."

"The price of the chat room will be reduced then."

Rhaegar played with it for a while, then rubbed his eyes and looked at Matthew with a deep groan:

"Why don't I vote more?"

"Also, when will the others join?"

"There are only four of us in the chat room, and there is only one girl, so I'm embarrassed to talk to ......"

What girl?

Matthew only felt that Rhaegar was talking gibberish.

"Aren't you eye-catching?"

He reminded:

"The first group of members was just four of us."

And yet at this very moment.

Zeller also raised his head:

"Matthew, Rhaegar didn't look at the flowers, there are indeed five guild members at the moment."

Matthew hurried to the big mirror.

There happened to be a conspicuous record flashing on it—

……

"Hint: Activation Successful! Althea has joined your Spell Guild."

……

Happy New Year to all!

In the new year, the wealth is rolling, healthy and safe!

Originally, I made an appointment with everyone to take a day off on the 10th, but it happened to hit the Spring Festival, so I didn't rest.

Let's update continue, guaranteed day 7, and try to write more!

Who made us Wangwen Palu?

The volume is over!

(End of chapter)