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."

me what I

would you mind communicating via

Can't we just talk

process is a little complicated.

"Sure, I'll do it!"

contact list, Frank soon received a reply with an image

download a smartphone app and how to apply for a

and saw the app on

seen the app before, but

Whitney, Frank was using the latest phone model, where illegal

elaborate scheme!" Frank

make a fake profile that was

he filled in the form for a loan and

section, it turned out that he

that, the interest rate was only 20%, which was lower than what the person on the phone had told

"That's just so weird!"

worked, Frank tried to apply for a loan, but he was told that

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

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