Whitney smiled. "Hehe. It's no big deal, really... I just have this broken window. Can you help?"

"Sure!"

Frank had nothing else to do, and they fixed the window in a little over ten minutes.

"Oh, you university students are really amazing," Whitney praised earnestly as she passed him an ice-cold soda. "Y'all can really do everything!" Frank took the soda, smiling but saying nothing.

Whitney then continued, "I've always said there has to be a man in the house, or a weak gal like me couldn't have fixed that window on my own!"

Frank was at once terrified, putting down the soda and excusing himself to the bathroom.

Whitney was such a cougar that he was almost eaten alive!

Soon, he decided it was long enough, and Frank unblocked that number from earlier.

Pretending not to know who he was calling, he asked, "Can I take a loan from you?"

The person on the other end naturally knew that Frank had called before but decided to play along just to be cooperative. "Yes, our interest rate is only 25% per annum. Would that be acceptable?" "How soon can I get the money?" Frank pressed.

"Very soon, sir. You will get it within twenty-four hours."

what I need to

you

we just

a little complicated. I must ask for

"Sure, I'll do it!"

number into his contact list, Frank soon received a reply with an

a smartphone app and how to apply for

the app on Frank's phone. "Isn't that a normal online loan request? It's even

never seen the app before, but it

Frank was using the latest phone model, where illegal apps could not

an elaborate

he had asked Whitney to make a fake profile

profile, he filled in the form

turned out that he

rate was only 20%, which was

"That's just so weird!"

the whole thing worked, Frank tried to apply for a loan,

was left bemused. "You're a university graduate, so you wouldn't have other debts. Why can't you take up

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