Whitney wagged her finger. "People like Tej Gagne are cutthroats. There's no reasoning with them-an academic like yourself shouldn't get involved with them." Frank chuckled. "Now you're being naive! Like you said, Tej Gagne is a big shot. There's no way he'd be personally receiving every villager who wants a loan, right?" Whitney realized with a start at Frank's words-that was true. Even if the villagers would take a loan worth a few hundred grand, Tej still had no reason to personally oversee the transaction.

"So you're saying that those loan sharks are worried about pushing their luck?" she asked. "That's why they name-dropped Tej Gagne to intimidate their victims?"

Frank nodded. "Most definitely."

"Well, let's go check them out anyway," Whitney said, feeling worshipful toward Frank.

University students were really different and had a stronger sense of justice too.

"But that's got to wait until tomorrow," she said, raising her glass. "We need to get drunk tonight!"

-

The next day, Frank called a number Whitney found for him.

"Hello? Who's this?" a spiteful voice asked from the other end.

"Hello, I'm from Chandlerton. May I ask for a loan?"

number," the voice said and hung

"Wait, it didn't work?"

the voice too. "That shouldn't be so.

the truth in just

unsure why Frank

Ring...

Frank's phone soon rang again-this time, it was

asked,

end did not take offense and was even friendly. "You need to take a loan,

really called?"

was not in a hurry to get down

that provides loans," the person on the other end explained. "The process is just a little complicated-would that be

I need the

that,

confused. "What? Why did you

smiled. "Something like this shouldn't be rushed, or we'd expose

confused, but the same number called again soon enough. Frank answered again but

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