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Lo-Loan?

Xu Que was appalled by what he had just heard. Hearing what the system had said was akin to him seeing a ghost! The system was getting more brazen with each level it had ascended and was becoming more crafty. Now, it even suggested lending Xu Que act tough points with interest rates? Why don’t you fly a kite?

I won’t take a loan. I will never take a loan!

Xu Que hardened his heart, knowing that he must never bow to the system.

However...

"After careful calculations, the host’s strength wouldn’t be able to compare with your enemies at this point. Although the host can consider fleeing, he wouldn’t be able to act tough if he fled!" The system sounded out once more, causing Xu Que to freeze on the spot.

Unable to compare with my enemies? Can consider fleeing?

Is my Monkey Blocks Lightning spell still not strong enough after being strengthened by the full Glory Killer Book? I won’t be able to handle those Fire Emperor spirits?

Xu Que was suddenly thrown off guard and felt rather uneasy. And yet he realized that it must’ve been true, for he was only at level eight Original Infant Stage. If he could defeat an Infant Transformation staged cultivator, it would already be extraordinary!

Even though he was only facing against spirits and spirits were extremely weak against lightning spells, these spirits were of at least in the Void Refining Stage. And so he felt that he might still stand a chance against the Void Refining Stage spirits.

As for the Form Synthesis Stage spirits... Xu Que was not the least confident!

The system wouldn’t trick him at this point. Although Xu Que knew that the system was very sly, whenever it provided such conclusions after calculations, it was always correct.

Of course, the most important thing to Xu Que was being unable to act tough!

This caused a certain sense of anxiety and urgency in Xu Que!

Unable to act tough? Then what was the point of living? How was he different from a calf if he couldn’t act tough?

After all, it was only a loan. Come on then! Even if I have to take a loan, I must do it for the sake of acting tough!

"Tell me more. How should I proceed to take the loan?" Xu Que thought in his mind and asked the system for more information.

As soon as these words were thought, a strange melodic sound rang out within his head. Soon after the music faded, Xu Que heard that the cold system’s voice had abruptly changed tone. It started sounding extremely warm, as though it was handling a big customer!

"Welcome host for accessing the newly implemented ‘Act Tough Loan’. The Act Tough loan is very unique in the sense that there’s no collateral required, along with the low interest rates and you can receive the cash on the exact same day. The application procedure is very simple, convenient and swift. We wish to serve you effectively and ensure that your career is benefited from this loan!"

Pu!

Xu Que nearly spat out a mouthful of blood.

This... Sounded too human! Like a salesman trying to do business. It was indeed extremely hard to tolerate.

The system then continued speaking.

"In view of the host’s extraordinary acting tough skills, the system is willing to offer a reduced interest rate of 2.3% per annum. Payment is a combination of interest rate along with a percentage of the principal amount. It’s a carefree and easy method of repayment!"

"..."

"The system would like to ask if the host is keen on activating the ‘Act Tough Loan’?"

"Let me ask you something. What happens if I’m unable to repay the loan?" Xu Que asked as he smiled.

"If the host is unable to repay the amount by the stipulated date, the system shall activate ‘Debt Collector Beats Debtors’ function. Regardless of whether you borrowed money in this world or others, there will always be someone chasing after you for debts!"

Yo!

As soon as Xu Que heard this, he was elated. Oh you’re threatening me now? Since that’s the case, I’m NOT going to return it! Since this loan was forwarded to me based on my acting tough skills, why should I return it? I’ve earned it!

Hm, who’s afraid, huh? I’m so darned powerful. We shall see who would come and chase after me for my debt!

After deciding to borrow and not return it, Xu Que then accessed the system store interface and searched for the musician skill book.

In actual fact, the system was right about this. The musician talent would positively affect the user’s soul strength and mental capabilities. In a sense, this was something like a spell to boost the user’s stats!

When it came to soul strength, possessing this skill would strengthen it tremendously!

It’s just that... After he saw the price of the Four Star Musician skill book, Xu Que felt a sharp stabbing pain in his chest once again!

A Two Star Musician skill book needed 1,500 act tough points. However, after he gained the achievement of Act Tough Tyrant, he received a little preferential discount on this item.

Yet, he had already purchased this skill book and ascended to the Two Star Musician before he received the discounts.

And now, a Three Star Musician skill book costs 3,000 act tough points!

And a Four Star Musician skill book costs 5,000 act tough points!

Hence, if he wanted to defeat the group of Fire Emperor spirits, he would have to spend 8,000 act tough points!

But what was so scary about that amount? He could always take up a loan!

"I wish to borrow one billion act tough points!" Xu Que shouted out in his head loftily.

"Ding! The system’s credit rating isn’t good enough at this point. The loan amount is restricted to 10,000 act tough points!"

"My... My credit rating isn’t good enough? Fuck! I’m such a trustworthy and dependable person and you only extended the loan amount to 10,000 act tough points?" Xu Que was so angry that he almost imploded.

And yet no matter what he said to the system, it refused to budge and insisted on lending Xu Que 10,000 act tough points at most.

Xu Que had no choice as well and temporarily borrowed 8,000 act tough points and chose the option to repay the debt over two years!

At the same time, he purchased both the Three Star and Four Star Musician skill books!

"Shua!"

His body lit up twice consecutively in a flash of white light as his understanding of the musician ability became more profound!

"All the modulations of the voice arise from the mind and the various affections of the mind are produced by things!"

When Xu Que next opened his eyes, his pupils seemed to have gained a certain depth within!

It almost seemed like he had gained enlightenment just like that!

There were 3,000 ways to reach enlightenment and ascend the dao and music was one of those ways!

As soon as Xu Que ascended to Four Star grade, his understanding and analysis of music became very pronounced and profound!

One song could be played by different artists in different styles, evoking different responses from different people. This was the mysterious power of music!

As soon as Xu Que understood these points, he started to feel extremely confident about handling these Form Synthesis Stage spirits!

Four Star Musician would almost certainly ensure that Xu Que could win any Infant Transformation Staged cultivators effortlessly!

Against a Form Synthesis Staged spirit, Xu Que hoped that it wouldn’t be too much of a difference!

"Ding! The spell has already been deactivated. Please prepare yourself!"

As soon as the system rang out, the cracks along the stone door started multiplying exponentially and almost looked like it was filled with spiderwebs!

Xu Que then retrieved an electronic keyboard from his system inventory and ensured that it had an audio mixing function. He then held it up and faced the stone door.

The few spirits hiding behind him were all stumped!

What’s going on? What is this senior trying to do? Is that strange looking thing so powerful as a weapon?

"Boom!"

Right at this point, the tomb which had been sealed shut by the spell started to reveal what’s within.

The few blocks of stone which lined the door started falling off in clumps of debris and dust.

Soon after, several large black shadows with immense auras enveloped his surroundings!

"Roar!"

The few black shadows gave a terrifying roar and sent out crushing pressures, causing the entire tomb to tremble violently.

The few spirits hiding at the corner were so terrified by this roar that they were screaming out in fear as they scattered all around and broke their group.

"We’re doomed! These evil spirits had been let loose!"

"Senior, run!"

"If you won’t flee, we shall flee first!"

"See you around senior!" Kim Fatty Two Plus One screamed out as he started to leave along with his companions.

After all, those few spirits who just appeared was too powerful. Just their auras could kill.

Even before they made a move, the amount of pressure released from them was way too scary!

Fire Emperor’s spirits are truly powerful!

Xu Que’s eyes gleamed. Although he didn’t know how or why these people became spirits, they had probably been around for centuries. However, all these centuries old spirits are nothing but rubbish compared to his Four Star Musician talent!

So what if you’re at the Void Refining stage?

So what if you’re at the Form Synthesis stage?

You’re the ancestors of the Fire Nation?

Haha! You’re still useless!

Everything under the heavens is mine! I’m Xu Que, the Act Tough King!

"Zeng zeng zeng!"

Xu Que raised his hands up and spread his fingers apart before slamming them down on the electronic keyboard. His fingers moved in a frenzy, creating a melody.

At the next moment, he condensed the energy within his dantian, opened his eyes wide and shouted, "The eighth episode of the nation’s secondary schools warm up exercises begins! We are being called upon..."

(T/N: This was a televised broadcast for students to do stretching exercises in the morning before classes began)