Practical Teaching: A Guide to the Training of a Humanoid Succubus

Forget it, I'm not qualified to talk about science.

Dongfang Yi gave up thinking.

He put away his aggressive attitude and said in a calm voice, "It's like this, Mr. Karuizawa, Ai Li's points are indeed zero. That's a fact."

"Yes, that's right."

Karuizawa nodded in understanding and prepared to retreat.

"Yes, because I made too many dishes at once, I sold the service of providing three meals a day to Ai Li." Dongfang Yi narrowed his eyes: "In other words, she really doesn't have any money now. Do you understand?"

"I understand." For a moment, Karuizawa felt uneasy, not knowing whether to stand or sit. "I suddenly remembered that everyone is still waiting for me to eat."

"Aren't you short of numbers?"

Dongfang Yi stopped her in her tracks with just one word.

"I, I'm going to have the seasonal vegetable set meal."

"Karuizawa-san, don't you want to borrow some points?" How could Dongfang Yi let her go so easily? "Our class A has distributed quite a lot of points today, so we can still borrow some. Do you need them?"

"Ah? Well, of course I have to borrow it."

Karuizawa glanced at Sakura who was eating obediently, and suppressed the desire to escape.

Dongfang Yi has already blocked her escape route——

Didn't you ask to borrow some points? Now I'm here and willing to lend them to you. Do you dare to refuse?

Don't lend it? If you don't lend it...

Are you completely clueless? Then what did you mean by what you just said? Bullying?

Therefore, Karuizawa, who couldn't figure out the two people's background for a while, could only borrow.

"Airi, do you have a pen and paper?"

Dongfang Yi sat down in an empty seat in front of Sakura, as if he didn't treat this place as any other class at all.

"Youde."

Sakura Hamster, who was still eating, swallowed the food in his mouth, found a pen and paper from the table and handed it to Dongfang Yi.

Dongfang Yi took the paper and pen and sat at the table, looking very formal. He asked, "Karuizawa-san, how many points do you want to borrow?"

"Two... No, ten thousand points will be enough."

Karuizawa found that the other party seemed to really want to lend it to her, and was flattered for a moment.

"Ten thousand points...Okay, I've noted it down. What's the estimated repayment time?" Dongfang Yi continued to record.

"...Two months later?" the hot blonde asked tentatively.

"So the loan is May 1st, and the repayment is July 1st, right? Is it a lump sum payment or installments?"

Dongfang Yi handles his business in a fair and impartial manner.

"Pay in one lump sum when due." Karuizawa thought to himself that it would be better to pay as late as possible.

"Okay. Wait, let me check. The current short-term bank loan interest rate is 0.4%, so if I lend it out, I'll be charged % of the principal each month. That means Karuizawa-san will need to pay back points upon maturity. Is that acceptable?"

Dongfang Yi gradually showed his fangs.

"Eleven thousand points..." Karuizawa felt that a thousand points was not much, so she nodded: "Okay."

"Very good. Then, may I ask Karuizawa-san, what is your current bank balance?"

"...I don't need to tell you this, right?"

Although he was afraid, Karuizawa still tried to maintain a tough attitude in class.

"Well, the deposit is unknown and the risk cannot be quantified." Dongfang Yi didn't care about her answer. "Also, according to the teacher, class points are deducted according to daily regulations, which means that the students in Class D will not have a stable source of income in the short term."

"Then Karuizawa-san, I'd like to ask, have you ever thought about working part-time or are you currently working on campus? Are you an outstanding member of a club or a student union cadre?"

Dongfang Yi continued to handle his business impartially.

"None of that. The upcoming exam is very important! I need to study hard! I don't have the spare time to work!"

Since his tough stance was not refuted, Karuizawa gradually showed a hint of impatience.

She stood up again in Class D's home turf.

"That's true." Dongfang Yi continued, "Then Karuizawa-san, if you want to borrow money, can you provide collateral equivalent to the loan value?"

"Collateral?" The hot girl with blond hair had obviously never been exposed to this concept.

Dongfang Yi had to explain, "That is, when you borrow money, you have to place the collateral with me. If your loan becomes overdue, as the borrower, I have the right to auction this collateral and return the excess funds to you."

"Does lipstick count?"

"Overpriced cosmetics and personal clothing don't count with me."

"That's gone."

"Well, Karuizawa-san, do you have any friends from other classes with a current deposit of over 50,000 points who are willing to act as a guarantor for you?" Dongfang Yi continued, "If you default, the guarantor will pay the principal and interest."

"... Class D isn't okay?"

"According to Class D's class points, I need a Class D student with a deposit of over 100,000 points as a guarantor, but," Dongfang Yi refused expressionlessly, "Obviously, there shouldn't be such a person in this class."

"...No..."

"I'm very sorry, Karuizawa-san. After my assessment, you have a serious risk of overdue payments, so I can't lend you the money." Dongfang Yi put away the paper and pen: "Perhaps you can try to find someone else."

"Are you kidding me?!"

Finally realizing that he had been fooled, Karuizawa rose up in rebellion and shouted angrily.

Blinded by anger, she finally understood something—

This is Class D! The D-class students' territory! She's the girlfriend of Hirata, the top student in Class D!

So what if you are a student in Class A?

Even a dragon must coil up! Even a tiger must lie down!

At this moment, all the students in the class turned their eyes to her, including Kushida Kikyo who had just returned to the classroom with bread.

"What? Did I do something wrong?"

Dongfang Yi was still sitting there, leisurely.

"You..." Karuizawa choked for a while, but then became tough again: "If you want to lend it, then lend it. If you don't want to lend it, then don't lend it. Do you think it's fun to play tricks on people?"

"Is this my fault?" Dongfang Yi didn't give her any face at all: "Karuizawa-san might as well ask yourself, do you really want to borrow some points, not..."

"Begging?"

"What do you mean?"

"Oh, is there something wrong with what I described?" Dongfang Yi said in a voice that everyone could hear. "Karuizawa-san, in this school, you can earn points by working part-time, and you can even ask the store manager to pay you daily, but you're unwilling to do it. At the same time, you don't have collateral of equal value. And as for the guarantor, you actually want a classmate from Class D who also lacks points to pay for your overdue points."

"If I agree and you default, the students in Class D who guaranteed you will suddenly be burdened with a considerable debt. I can't imagine how unfortunate it would be for those who believed in you to have a friend like you."

"But that's not my concern. I've made it very clear. If you want to borrow points, you have to prove to me that you can repay. I've always been sincere. What about you?"