After the fourth elder finished speaking, the hall fell silent, and it took a while before a small discussion could be heard.
Yang Zhen looked over one by one and noticed that the clan leader, as well as the second, third, fifth, and sixth elders, had no expression on their faces. It was obvious that they had known about this matter for a long time, and even had thoughts in their hearts.
The other elders, especially those ranked after ten, were either surprised, worried, or whispering to their neighbors. It was obvious that this was their first time hearing about it.
This made him very surprised. Could it be that some elders didn't know about such a huge debt?
Finally, he looked at Qin Wan. This woman was sitting upright, with a look of astonishment on her face, but she didn't talk to the people around her, and she looked quite lonely.
People look down upon others, he sighed secretly.
Seeing that no one said anything for a long time, he didn't care about the rules or regulations, so he immediately asked:
"Fourth Elder, when was this agreement signed? Who is the representative of the family? Does the Council of Elders know about this matter?"
He spoke three times in a row, and although his tone was gentle, it sounded harsh to Zhao Yunya.
He simply turned a deaf ear and was too lazy to pay attention to this arrogant junior.
Yang Zhen sneered and turned to the superior: "Clan leader, the fourth elder's ears are not working properly. Should we find a doctor to check on him?"
The fourth elder was furious: "Huangkou kid——"
"Fourth!" The patriarch called to him: "How old are you, and you are still so restless? Yang Zhen is sitting here, representing the great elder. If I ask you anything, say what you should say, and don't be rude!" "
Zhao Yunya snorted, looking dissatisfied, and shouted to the person next to him: "Lao Liu, tell me! I don't like this kid!"
The Sixth Elder stood up with a smile on his face. He is responsible for the family's business dealings and is relatively tactful. He has met Yang Zhen several times before and always greeted her with a smile, and there was no grudge between the two parties.
He cleared his throat and answered honestly: "The agreement was signed with the Dai family in Yunzhou City by myself and the Fourth Elder as family representatives in April of the Gengwu Year (three years ago)."
Qin Wan over there suddenly heard that this happened three years ago. Thinking about the persecution of the Dai family at that time, she already had some guesses in her mind.
She couldn't help but raise her eyebrows, and anger flashed across her face.
Yang Zhen was watching everyone's expressions and couldn't help but be stunned when she saw this, her eyes were thoughtful.
"Did you report this matter to the Presbyterian Council at that time?" he asked.
"No." The sixth elder shook his head.
"You didn't report such a large loan to the Presbyterian Church?"
The Sixth Elder laughed dryly. He had a good temper and didn't care about the dissatisfaction in Yang Zhen's tone. He raised his head and cupped his hands and said:
"We reported it to the clan leader."
Zhao Yunya over there couldn't help but sneer: "Boy, what matters should be discussed by the elders in the elders' meeting should be proposed by the elders. Since no one proposes this matter, why go to the elders' meeting? You really don't know anything, how dare you sit here So shameless!"
Yang Zhen frowned. This time it was not because of the fourth elder's behavior, but because there was something wrong with the Zhao family's management system!
He turned around and said: "Clan leader, we should set a rule in the future. Spiritual stones, contribution point transactions, loans, etc. above a certain amount must be reported to the Elders Council. Even if it is too late beforehand, it must be made up for afterward."
"A huge amount must be approved by the Presbyterian Council!"
The clan leader hummed and said without comment: "Let's talk about this later!"
Yang Zhen continued to ask: "When does the Dai family start repaying this contribution?"
Sixth Elder: "At that time, the agreement stipulated that the Dai family must make a request for repayment one month in advance. This matter was brought up by the shopkeeper of the Dai family this morning. Therefore, starting from today, October 30th next month, this payment must be repaid. A loan."
Yang Zhen: "Should it be repaid in installments or all at once?"
Sixth Elder: "Pay it all at once."
Yang Zhen: "What if it can't be done?"
The Sixth Elder: "The remaining balance needs to be recalculated with interest. The interest will be raised to 20% and shall not exceed one year."
Yang Zhen: "What if I still can't pay it off after one year?"
Sixth Elder: "This... the two sides will discuss it later."
Humph, I owe a debt to the largest family in the state. If I can't pay it back by then, I'll have to let others control it.
Yang Zhen sneered in her heart, thought for a moment, and then asked:
"If spiritual stones are used to pay debts, at what proportion will the contribution points be converted?"
Sixth Elder: "One to six."
Yang Zhen took a breath, converted into spiritual stones, it was more than two million!
For the sect’s contribution points, the conversion ratio on the sect’s side is naturally one to one. In other words, if you have ten contribution points, you can directly exchange them for ten low-grade spiritual stones at the sect.
However, this exchange is one-way. If you have ten spirit stones, it is absolutely impossible to exchange them for ten contribution points from the sect.
In fact, the sect stipulates that contribution points can only be obtained based on meritorious contributions and cannot be exchanged for spiritual stones.
Despite this, over the past few thousand years, everyone still has a relatively consistent judgment on the value of the sect's contribution points, that is, the ratio to the spiritual stone should be between 1:3 and 1:4.
However, this kind of exchange, like a controlled exchange rate, may make sense in exchange for less. If the amount is large, then you have to go to the black market price.
At that time, one to five, one to six, or even higher was not impossible.
Therefore, the Dai family's conversion ratio cannot be said to be too dark, but it definitely has nothing to do with generosity.
It's just that the current Zhao family is no longer the same as when Zhao Beiqing spent two million in Qingzhou to bid for the Yuanling water tire. After such a big change, the treasury is empty, and if we spend such a huge sum of money again, the entire family may not be able to survive.
"Doesn't the sect have a system in this area?" Yang Zhen thought of the experience in her previous life and asked: "The amount of contribution points required for the ancestor to attack the golden elixir is huge. Can't the sect provide a loan?"
"Well," the Sixth Elder spread his hands and said helplessly, "The sect does exist, but the procedures are cumbersome and there are too many levels. I don't know how many layers of skin I have to peel off!"
"That should be more cost-effective than borrowing money, haven't you done it?"
The sixth elder finally showed a hint of anger on his face, and said in a low voice: "I tried it, but I gave up."
"At that time, Patriarch Zhexi was still in Baoyuan Hall and was highly appreciated by Master Shuihong. Have you mentioned this matter to Patriarch and asked him to help?"
The Sixth Elder's face returned to normal and he replied: "I mentioned it before. Ancestor Zhexi said that Patriarch Shuihong lives alone and likes to collect talismans and magic weapons. He doesn't have much contribution points at hand, so we still need to find a way."
"If he hadn't come back from Langshan that time and brought more than 80,000 contribution points, we wouldn't have been able to renew the rent for that year."
Most of that is still mine! Yang Zhen cursed in her heart.
Then he asked a few more questions, but they were about where the family's contribution points came from and how they were used over the years.
The six elders all answered accurately.
Only then did Yang Zhen understand that the promotions of many of the elders here, especially those who went to Black Wind Valley to break through the barriers, had borrowed a large number of sect contribution points from the family.
As for the person who earned contribution points, it was Master Yun Jun who served in the Zongmen Town Hall in the early years, and later it was Zhao Beiqing.
As for the foundation-building monks, there are only a few of them in the sect, so it is great to be self-sufficient.
More monks from the Zhao family would rather stay in their hometown and enjoy a peaceful life as long as they feel that there is no hope of promotion to the Zifu.
This is really raising a group of second-generation immortals who don’t want to make progress and are greedy for comfort! Yang Zhen shook her head secretly.
What he didn't know was that if Yun Jun hadn't been attacking Jindan in recent years, he would have been in urgent need of a lot of contribution points. With Zhao Lian's qualifications and background, after completing the third level of Qi training, it is very likely that he will be sent to Black Wind Valley by his family to advance to the middle stage of Qi training.
If that were the case, this person might not have so much resentment towards Yang Zhen, and what happened later would not have happened.
Everything has cause and effect and is interrelated.
Besides, in the venue, Yang Zhen asked so many questions, and finally Zhao Yunya was so excited that he broke out again:
"Why are you asking so many questions! Do you think there is anything you can do? If not, then don't be nagging!"
"The fourth elder said that, so he must have a solution in mind?" Yang Zhen sneered, knowing that the meaty show was coming.
"There is no way to talk about it," the fourth elder looked around the audience: "I do have some suggestions from someone here -"
"As long as we agree, not only will only half of the hundreds of thousands of contribution points be repaid, but the period can also be extended. More importantly, they are also willing to provide a Ziyun Pill to help our Zhao family and create another Zifu !”
As soon as this came out, the uninformed elders suddenly became excited and urged:
"What advice?"
"Fourth Elder, tell everyone quickly!"
"Zi Mansion! Our Zhao family cannot live without Zi Mansion!"
"Fourth uncle, tell your nephew quickly!"
Zhao Yunya looked around, feeling proud, and uttered two words:
"Marriage!"
Chapter 11 Discussion of Marriage
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