''Flashback: Someone yells in pain. The screen is black.''
'Do you see what you're actions have done?'
...
'Don't disappoint me again.'
...
'This was just a warning.'
...
'I expect better things from you.'
...
''Present day''
(text-colour:yellow)[Setting: evening on a moderately busy road]
It's Friday evening, and the autumn breeze floods the clammored streets. It feels like only yesterday that the summer's humidity wrecked havoc on in Constance, a city filled to the brim with overzealous students, seedy gangsters, and regular workers trying to get through the day.
(text-colour:cyan)[MC: "I wonder where we stored the winter coats..."]
Friday evenings were always the prime time for work; all the potential loanees seemed anxious to give you a call, and the time to collect best fell on paydays. It was oddly slow today, but luckily there's a client to see tonight.
MC: 'You ready, Partner?'
P: '...'
MC: 'I don't know if it'll get colder by the time everything's done. Bring a something warm to wear.'
The pair only briskly walk a short distance until they come upon the designated spot: Tony's Pizzaria Mamma Mia. What a name.
(text-colour:yellow)[Setting: inside of pizza restaurant]
It's a shitty pizza place that should've been closed by the health department already; no wonder the owner this place needs a loan. Artificial tomatoes and moldy carpet that fill the air greet the two men as they enter the hole in the wall.
It's not pleasent, but they have smelled worse.
The dimmed lights suggest that the joint is closed, but there's a liviness at the back of the restaurant. Sounds like a someone is beating the ever-living shit out of wet dough.
MC: 'I guess someone's upset.'
The two men silently approach the dishelved owner who, indeed, was beating the shit out of dough in the cluttered kitchen.
Tony: "..."
Tony: "I'm guessin' you're MC?"
MC: "Was it obvious?"
Tony: "..."
Tony: "Who's the big guy?"
MC: "That doesn't really matter. You called me to get a loan, and I'll work with you. Where are we having out meeting?"
Tony: "Yeah, alright, just sit at a table, I need a sec-"
MC: "I don't have all night. We're meeting now. Turn on the lights."
Tony scoffs at the two as they walk to the nearest table and turns on the lights for the back of the restaurant. Moths quickly gathered to the lights and filled up the silence with their gentle taps.
MC: "Okay, Tony. You were pretty vague about what exactly you needed. I need to know the details before I give you anything, obviously."
Tony: "*sigh* Ok. So, look, I've put all my shit into this dump. It used to bring in a lot of cash, but I just don't know what happened. I've put my house into this, ok?! I can't pay rent no more for this place.I've eaten so much dough, I'm shittin' it out from everywhere."
"I just need some cash to get through the next few months. I'll get this place in shape! It'll be packed on a Friday night in just a few months, I swear! I just need some help-"
MC: "So rent, rennovations, sprucing the place up. Maybe advertisments? How much did you bring in last month, in total?"
Tony: '... $5,000, total. I lost three times as much as much, people keep quitting, and it's only me and my kid in here-'
MC: 'Well, that's really bad. Why not just give up? Cut your losses?'
Tony: 'I... I just worked so hard to get this place. I've had it for 20 years... it's the only thing I have.'
(P gives you a side glance)
MC: 'Okay, so much for your kid then. But that's very nice. You have any proof that you were making money years ago?'
Tony: 'Yeah! (takes out crumpled papers from his front apron pocket) A copy of my tax returns from five years ago.'
(text-colour:cyan)[MC: Apparently there was a gross profit of about $120,000 in 1987. I guess some people will eat anything.]
MC: '... I'm not saying that I'll offer you anything, but tell me, how much do you want?'
Tony: 'If... if I could get $50,000, I could pay rent and get some furniture and-'
MC: 'Are you stupid enough to think I'd give that much money to a business like this? Don't fuck with me.'
Tony: 'Look, I know it looks bad! It *is* bad!'
MC: "..."
Tony: 'I just need to keep this place alive. Please, even $45,000-'
MC: '*If* there was potential fix this shit show in a few months, you wouldn't be getting more than 30.'
Tony: 'There's potential...'
MC: 'Where?'
Tony: ...
P hands you a piece of paper with a note. "You know what he's up to, just get to the chase. Cut through the shit and move on. Not in the mood to see him cry."
MC gives P a knowing glance, and continues.
MC: "Ok Tony, I'll cut to the chase."
[["You're not getting a loan today."]]
[["I'll only give you $30,000, but at 15% interest every week."]]
[["I'll only give you $30,000, but I'll be nice."]]
[["I'm not nice to people who bullshit me."]]MC: "There's no need to prolong this. You're not getting a loan today."
Tony: "Wha- please, give me a fucking break, even 40, I'll take it!"
MC: "You're well aware that you're a liability. I've got to cover my ass too, and shit stains like you aren't worth it."
Tony (starts to cry): "I- please- no one else will loan to me-"
MC: "For good reason. Don't call us again. Let's go."
MC and P leave the sad man in his dingy hole in the wall. He'll probably be calling again, but Lady will handle it if he gets too annoying.
P: ... (P gives MC a stern look)
MC: "Look, I'm tired, and once I looked at his face, I realized that I didn't want to deal with it his drama. I just want to have a Friday off just once, ok? There's was way too much to unpack with that guy."
"I need want a drink when we get home."
Morality +1, company 0
[[Monday (Scene 2)]]MC: "I'm not nice to people who bullshit me. I've given you plenty of time to tell the truth."
Tony: "What're ya talking about? I'm telling you that I can get the restaurant off the ground again-"
MC: "I heard that a few dealers on this block were arrested a couple weeks ago."
Tony: ...
...
MC: "I bet that's been rough for you, right? After a bust like that, it's sure hard to get more desperate crackheads under your wing."
MC: "Suppliers have such high expectations, and I'm sure whoever's giving the low-level dealers the supply is in a tough place right now."
MC: "Those suppliers, they probably want all their money back immediately, right?"
Tony: ...
MC: "Nothing to say?"
Tony: "I don't know who the hell told you-"
MC: "I investigate all potential clients. Someone's been following your trail ever since you called us. We're not dumbasses."
Tony: "Well, what? You're not gonna give me the loan now? It doesn't matter *why* I need the money if I'll make the money back 10-fold in a week-"
MC: "No, you won't. But, I'll make you an offer because I'm nice."
Tony (very excited): "Y-you will?!"
MC: "Of course. Our company does more than money lending, and I have some experience in this field. I've heard that these suppliers of yours have some big ticket items."
"Give me your contacts, and I'll figure something out with them so that you won't owe anything. Youre worries will be gone, and you can just focus on your pizzas."
Tony: "Wh- Really? But, why?"
MC: "That's not your business. Take it or leave it."
Tony(determined): "I'll sign whatever you want me to sign."
...
...
(MC and P are walking home)
P hands MC a note.
P: He's fucked, isn't he?
MC: "Well, yeah. Just based on stories I heard about his suppliers, he'll be offed as soon as they get their money. I just saw an opportunity to make contact. The Company will sell anything far better than some random low-life. He'll get money, the Company gets money; it's a win."
MC: "It's shit like this that'll put me back in the good graces of the Company."
(P quickly scribbles something down, and hands you another note with a concerned look.) P: I guess you'll be having a drink tonight?
MC: "You know me too well."
...
It's become awfully chilly outside.
Morality -2, company +2
[[Monday (Scene 2)]] (text-colour:yellow)[Setting: inside of messy apartment, work desk is in view]
The weekend was uneventful, as it tends to be. Saturdays are usually spent rearranging old files and tapping away at calculators, and Sundays are spent attempting to clean the aging flat. Unsurprisingly, there was still work to be done on Monday morning while the local news channel hums in the background.
(The phone rings, and MC picks up)
MC: "J.M. Holdings, how may I help you?"
Voice: "Afternoon, MC."
MC: "It's still morning."
Voice: "Whatever. I just wanted to let you know that the transfer to your account went through this morning on that amount we talked about. Boss expects you to make at least triple that within the month via contracts. Any questions?"
MC: "Nope, sounds like the same as always."
Voice: "Neato, I'll check up on ya whenever."
MC: "Wait, I gotta question. Am I getting a phone?"
Voice: "Heh, aren't you using one right now?"
MC: "You know what I mean."
Voice: "Ah, no worries. I'll have Lady drop one off to ya this week, she'll teach you how to use it."
MC: "Thanks."
Voice: "No problem, see ya."
(MC hangs up the phone).
(P walks in from another room, sandwich in hand)
MC: "Have you finished with V to Z yet?"
P nods and hands over the file folder.
(Weekly profits for V-Z in view. On the bottom, there's a sticky note from P:'How does this look? Are we doing ok?')
MC: "..."
"Yeah, this is within our expected profit. No need to worry, we're ok."
P smiles a bit.
MC: "You're checking up on, what, two people today?
P holds up 3 fingers.
MC: "I'll tag along. I don't think I'll get a lot of calls today. May as well see if there's any new business around town too."
P points at your coat.
MC (smiling a bit): "Yeah, I'll wear it. At least finish your sandwich. And didn't we have breakfast like two hours ago?"
[[Monday Scene 3]] (text-colour:yellow)[Setting: city street with various shops and eateries around]
MC: "It's quieter than I expected. This'll make it easier."
P nods and lifts up a paint can.
MC: "What color did you get, red?"
P holds up the paint can and nods.
MC: "Good. Hopefully this will help."
MC pulls out a small map with 3 circled addresses.
MC: "He lives over in this complex. It's nicer than I expected."
The nice thing about being assigned to this city is that, generally, clients are within walking distance of the pair's base of operations. The desparate gather in city centers, and there's always someone willing to take an under-the-table loan. If not for MC and P, someone else would be the main shark lender around here.
MC and P approach the apartment building. There's a tiny, mostly empty parking lot. There's no security, but the building looks like it was built within the last 5 years or so. The plumbing probably works, so it would cost a pretty penny to rent from here.
MC and P quickly walk up the steps to apartment 217. Once at the door, P sets down the paint can and pulls out a dry, dirty brush from his pocket. Without hesitation, he begins painting the apartment door. MC stands by as lookout.
(text-colour:cyan)[MC: If only loaning money could just mean loaning money. But this guy is, what, a couple weeks late? Doesn't answer calls, didn't open the door last time. A debt is a debt; he can't run away from it. I can't do anything to help him at this point.]
MC: "Don't skimp on the lettering, make it big. He needs to be fully embarrased, not slighty ashamed."
J.M. Holdings, the name of the scrupulous lending duo, was widely known for several city blocks. Everyone knew their logo at least, and everyone knew that if a logo is suddenly painted on your front door, you're about to be in a world of hurt if you don't pay.
MC: "... Maybe you should've been an artist after all, P."
(text-colour:yellow)[Setting: painted door]
P steps back from the door, and the two gaze at it for a moment. On top of the brown apartment door, 'JM' is spelled out in big, stylized red letters.
MC: "Well, that'll do it, and not a spot of paint on you, too. It wasn't too long ago that you'd look like a murderer at the end of the day, y'know?"
P smiles a bit and shrugs.
MC: (looking a little sad) "Let's go to the next one. I think it'd be best to call a taxi, it's like half an hour on foot."
P nods.
MC: *sigh* "Wouldn't it just be best to learn sign language or something? Wouldn't that be easier?"
P: ....
P puts the paintbrush in a plastic bag, and starts going down the steps. MC quickens his step to catch up to him. P was kinda tall, so MC had difficulty catching up to his stride at times.
(text-colour:yellow)[Setting: city street with various shops and eateries around]
MC: "Christ, nevermind, forget I said anything."
P nods.
MC (a bit more frustrated now): "Let's get something to eat later. Whatever you want, I don't care."
P remained sullen as they make their way out of the apartment complex.
MC: "If there's no taxis, I call one at the phone booth. I don't expect one at this time of day."
(P still doesn't really show much emotion.)
MC: (looking more stone faced now) "I'm trying, we're trying. You'll be alright... alright?"
P nods slightly.
MC (perhaps more relieved): "Alright."
[[Monday Scene 4]](text-colour:yellow)[Setting: outside of MC and P's apartment]
Perhaps MC shouldn't have been so surprised that the taxi took an hour to arrive -- nothing is ever on time in Constance. What was meant to be a short errand turned into a long day, and there was still work to be done at home.
MC: 'This is so fucking annoying. I don't even think there's anything in the fridge to eat. If there isn't, can you order delivery? I don't care what it is-'
P: '...'
MC: 'Nevermind, I'll do it.'
(text-colour:yellow)[Setting: inside of MC and P's apartment]
MC quickly unlocks the door and enters the living room to see-
MC: "Christ, what the hell!"
-- Lady, drinking coffee and purusing a computer manual on the pair's couch.
Lady: 'Oh, finally, I got a bit concerned that you both weren't home yet.'
MC: *Sigh* "... I'm sure you knew our schedule, so you could've shown up at an appropriate time.'
Lady: 'You're right, and I would've estimated your arrival at about 5:30, not 8:17.'
MC: 'Well, the cabs were backed up.'
Lady: 'Oh, maybe you haven't heard, there's something going on uptown, maybe a concert or something? That would have delayed things since there's plenty of people coming in from the suburbs for it.'
MC: '... So what was so important that you broke in again?'
Lady: 'In my defense, it was cold. I have a special delivery for you.'
(Lady takes out a big box. MC looks like he's trying to hold in his excitement.)
Lady: 'It's your phone. Howard told me to deliver it to you as soon as possible, and I was finished with work earlier than expected, so here I am.'
(P has a sly smile)
MC: 'Oh, is that so? Well, I've still got some calls to make tonight, so I won't have time to go over it with you--"
Lady: 'I know you're busy, so I went ahead and set up the cell for you. It's not hard to understand at all."
MC: 'O-oh, I see.'
Lady: 'Here, let me show you. It works like your regular home phone, but it needs to be charged. You know, like a pager? There's instructions in the box. How about you try calling me?'
MC: 'Don't be condescending; I know how to dial a phone. These aren't all that new.'
Lady: 'Hmm, you're loss, then.'
P hands Lady a note.
Lady: 'Oh, right, thanks for reminding me. Howard also wanted me to inform you about a call you'll get tomorrow.'
MC: *sigh*-
Lady: 'No need be annoyed. He met someone who'd take money at high interest. It's a big loan, but it should be an easy client. He expects a cut of the deal.'
MC: 'SIGH... That's even worse. I don't want to deal with his shit.'
Lady: 'I know, but the hell do you expect me to do?'
MC: '... I'll just take it. It's not like I have a choice.'
P hands MC a note that reads 'It won't hinder our goals, so it'll be ok.'
MC: 'Yeah, that's true... Well, Lady, is there anything else to share or were you planning on staying the night?'
Lady: 'Hmm, I was thinking about it, but there's no real food, just instant noodles.'
MC: 'We were going to order take-out.'
(Lasy puts on her coat to leave.)
Lady: 'Ah, well, I'll leave you to it then. Try using your new cell phone.'
MC: 'Sure thing.' (Door sound, Lady exits.)
P hands you a note that states 'Dumplings?'
MC: 'Sounds good. I'll order from Imperial... (smiles) May as well give the phone a try too.'
[[Monday Scene 6]] A couple days have passed since Lady warned you about a client Howard found. Setting up a meeting was fairly easy, as the guy seemed to have a lot of free time. The meeting spot is at a suburban residence about 2 minutes outside the city limits.
MC: 'The grass here is just too green for the weather, don't you think?'
P shrugs.
MC: 'It just feels unwelcoming, but maybe I'm overreacting. Looks like this is the place.'
(Rings the doorbell, and someone quickly answers.)
(The door opens to a ragged young man who looks like he hasn't slept in a few days. He clothes look decent but were rushed on, as if he just rolled out of bed but he laid his clothes out the night before. He answered the door quickly though, as if he was waiting right next to it.)
Johnny: 'Uh, so Howard sent you?'
MC: 'Yes, you're Johnny, right? We talked on the phone yesterday.'
Johnny: 'Yeah, you're MC... uh, you can come in.'
MC and P sit at a dining room table. The house is a regular surbuban home, maybe a little messy. Johnny's eyeing P a bit, probably because you didn't say you'd bring anyone with you. It's easier to have P around, but since he doesn't do the negotiating, there's no need to tell a client ahead of time. Johnny's still standing.
Johnny: 'Uh, would you like anything to drink? We've got water, juice, pop...'
MC: 'We'll take some water, thank you.'
P hands you a note: 'Was he clear about what he needed money for?'
MC: 'No, but I can't refuse this if Howard's making me do it. No time for a background check either-'
Johnny: 'We have bottled water, but it wasn't in the fridge. Is that ok?'
MC: 'It's fine, Johnny. Sit down, and let's talk.'
Johnny (looks scared): '...Yeah, ok.'
MC: 'Now Johnny, I don't usually work with clients like you. If I didn't know any better, I'd assume mom and pop would be helping you out, so I assume that's not an option. I'm only hear because Howard said you needed some help. What's the story?'
Johnny: 'Well... it's a bit complicated. Like I said on the phone, I need some cash for an investment. It's really important...'
...
...
MC: 'What kind of investment?'
Johnny: 'It's kind of embarassing...'
MC: 'I can't give you anything if I don't know the full story.'
...
MC: 'Well, if you can't tell me, I'll have to leave-'
Johnny: 'I'm sorry, I'll tell you. It's just hard to talk about, and it sounds weird when I say it out loud.'
MC: 'I've heard plenty of weird things. Just tell me about it.'
Johnny: 'So, I just need money right now, and I'm about to catch my big break. I talked to Howard about how I just needed some money for this, and I'd be home free.'
Johnny: 'I'm talking about this gamble at the casino, that's what I'm talking about. It sounds stupid, but it's really a good oppurtunity'
P passes you a note: 'Should've known. Howard's at the Royale weekends, maybe met there?'
MC: 'And to gamble, you need money, of course. But Johnny, surely you're able to make enough to gamble sometimes?'
Johnny: (starts to cry a bit) 'No, I don't. I just, I'm not really able to focus much on work anymore. I got some things going on right now. This gamble, I don't have enough to even try it.'
MC (confused): 'What kind of gamble are we talking about here?'
Johnny: 'It-it's not some crazy game, it's just blackjack, but the manager was stupid enough to arrange this high-stakes game with me, and I know I'll win it.'
P gives MC a look and MC smirks a bit.
MC: 'Oh, I see how it is now. But what makes you think you'll be winning this gamble?'
Johnny: 'I know it sounds crazy, but I've been crazy lucky for the last week. I'm winning small time games, made some money off of scratch tickets, even found a $100-bill on the street yesterday. I'm riding on luck, and I have to take advantage of it.'
MC: 'Is that so? Well, before I make a decision, I'll need to know a few more things. You were a bit vague on our phone call yesterday about how much you needed...'
Johnny: 'Well, the manager said he'd only start the game if I show him I have $1000, so I figured $1500 would be best. It's not too much, is it?'
MC: 'Well, in the grand scheme of things, it's not, but I need more of a guarantee than 'luck' before I hand anything over. And a $1000 gamble doesn't sound like much of a jackpot to me.'
Johnny: 'Oh, but the manager is saying that if I win, I'd get ten-fold, he just wants to make sure I have some money first.'
MC: 'And if he wins, what does he get?'
Johnny: 'Well, he said that since he likes me, he'll just take the $1500-'
MC: 'Then how would you be paying me back, hypothetically?'
Johnny: '... I'll find the money somewhere, but I know I'm gonna make it all back and more.'
MC: 'Johnny, I need more of a guarentee than luck before I give you anything.'
Johnny: 'I guarentee you, I have savings with money, it's just hard to get it out. I need the money in two days, and it'll take at least two weeks to get it out. Please, I have it, I promise.'
P hands you note: 'If Howard wants you to do it, it's probably best to go ahead with moderate interest at least.'
[['Look, I'm not too sure about this.']]
[['I have my doubts, but I'll cut you some slack.']]
[['Since I'm still suspicious, I'll only give it to you at a high rate.']] MC: 'Look, I'm just not too sure about this. I'm confused as to way you can't make some money yourself. I'm sure you can get a job somewhere.'
Johnny: 'I'm telling ya, I just can't do that right now, so I need to make money this way...'
MC: 'If you tell me what's holding you back, you'll actually have a fighting chance at getting something from me.'
Johnny: ...
Unknown voice from upstairs: 'John...? John, please come here...'
Another unknown voice: 'Get up here now!'
MC and P perk up.
MC: 'Who's that?'
Johnny: 'Just wait one second, ok?'
Johnny runs up the stairs without any explaination.
P hands you a note: His folks?
MC: 'I would have preferred it if he were alone. Figured they'd be at work or something. This is weird.'
Five minutes pass by...
MC: 'P, can you see if they have granola bars or something? I already feel my blood sugar dropping.'
P nods and starts toward the kitchen, and you get up to look around the house a bit. Somehow you didn't realize the great amount of family photos piled on the walls. In them, you can see Johnny at varying ages, but the two adults with him (probably his parents) look a bit older than you'd expect in just about every photo.
P walks up to you with a fruit cup and a plastic spoon.
MC (chuckles): 'Thanks, P.'
Johnny (barrling down the stairs): 'Sorry, sorry! We can continue.'
MC (laughs): 'Johnny, let's not run around in circles. Just sit down and explain yourself.'
Johnny: '...Alright.'
Johnny: 'It's really not a big story; I just don't like talking to people about this. I can't work because my parents are just in pretty bad shape right now. I don't want to leave them alone all day. We're not poor, but going to the casino just gets me out of here, talking to people, and making some cash. Howard is a great friend of mine.'
MC and P: ...
Johnny: '... I know it's stupid, but it's really the way I can be happy right now. Just, please, I need this. I know I can win this, I need the money, and honestly, I need to self-esteem boost too. And I really can't make money any other way, and...'
MC: 'This just feels like a bad idea, Johnny.'
Johnny: 'Just, please. Howard said you'd give it to me, he said your his friend...'
MC: ...
P writes: If Howard said that, no backing out
MC: 'Well, if Howard trusts you, then I trust you. However, I'm not gonna cut you any slack. How about we do 20% compounding interest every day you have the money. I think that's fair if you're gonna make a profit.'
Johnny: 'Uh, how about 10%?'
MC: 'Johnny, I don't plan on negotiating. Take it or leave it.'
Johnny: 'Well I'm sure you're fun at parties...'
MC: 'If you could answer, I'd appreciate it.'
Johnny: 'Yes, I'll take it. Do I have to sign anything.'
MC: 'Yeah, just a second. Go ahead.'
P starts to fill out a blank contract.
Johnny: 'So you guys make a lot of money?'
MC: 'Sometimes.'
Johnny: 'Is your job dangerous?'
MC: 'Not really.'
Johnny: 'Huh, I bet your living it up then.'
MC: 'I don't make more than the average person.'
Johnny: 'Is that so? I bet your lying, why else would a person do this type of thing.'
MC: ...
Johnny: 'How are your hours? Maybe if it's a once a week thing I could do it...'
MC: 'I think you'd be better off gambling.'
Johnny: 'Huh, well, I'm just throwing out ideas...'
P hands Johnny the contract.
MC: 'Aren't you gonna read it first?'
P: 'I'm fine.' Signs the contract
MC: 'And that's that, I suppose. (to P) Go ahead.'
P hands Johnny a small bundle of cash.
MC: 'We'll be back to collect real soon.'
Johnny: 'And I'll have the money for you, no worries.'
[[Casino]] MC: 'In most circumstances, I wouldn't give you anything, Johnny. I just wouldn't know you well enough to do something like this.'
Johnny: 'But-'
MC: 'But... Howard brought me to you, so I'll make an exception. Hey, I'll even be nice too.'
(Johnny perks up)
MC: 'If you were anybody else, I'd give you a very high rate, but this time around, I'll give you the money at 15% compound interest per day-'
Johnny: 'Per day???'
MC: '... Starting tomorrow, midnight. That give you some time to change your mind today.'
Johnny: 'That still feels kinda ridiculous.'
MC: 'I can't negotiate on this, Johnny, it's just too risky. This is the lowest I can go. I have to protext myself too, y'know.'
Johnny: 'Yeah... I understand.'
MC: 'Do you need a moment to think?'
Johnny: 'Yeah, just let me get some air real quick.'
(Johnny leaves)
MC: (to P) 'Go ahead and start filling out a contract.'
P nods.
MC: 'I feel like I'm doing something bad, P.'
P writes and hands you a note: We're bad people, so that makes sense.
MC: 'Yeah... wish I didn't have to feel like shit though.'
(Johnny bursts back into the rooms)
Johnny: 'OK, I'm feeling confident now. I'll take the deal!'
MC (surprised): 'I see. P, get out a contract and the cash.' (To Johnny) Are you sure you wanna do this?'
Johnny (smiles): 'Thanks for the concern, but I'm confident. This is just something I have to do.'
MC: '... At least you're feeling happy.'
[[Casino]] MC: 'God, it's gonna cost a lot to get back downtown. I guess I gotta get a car. (Pulls out cellular mobile telecommunication device.) Hopefully we can get Jeff to pick us up.'
(Car door opening noise, MC and P are now in the car. MC's cell phone rings.)
MC: 'Yeah?'
Howard: 'Howard here. You did a good thing just now.'
MC: 'A good thing by giving a loan to a kid with no money?'
Howard: 'Heh, well, he certainly has money, I promise you that.'
MC: 'Whatever, as long as I get paid back.'
Howard: 'You interested in seeing the gamble? I think it'll be pretty interesting.'
MC: 'No.'
Howard: 'Well, I wasn't exactly asking you, MC.'
MC: '... You literally asked a question, but obviously I'm the wrong one here. Whatever Howard, we'll go.'
Howard: 'We? OH, you got that guy with ya still. Congrats to him for still being around...'
MC: 'Are we done here?'
Howard: 'Yup, see you then. I'll call with the details later.' Hangs up the phone
MC: 'Sigh. P, I really hate this shit.'
P writes a note: 'who doesn't?'
You and MC eventually waltz up to the grimy casino about a half hour later than Howard told you. Traffic was jammed, as always, and you didn't think it was worth getting there early or on time. Once enetering the decrepit building, it was quite obvious where the big gamble was happening-- a crowd had formed around a stained green table, where sat Johnny with Howard hovering behind him.
MC: 'Looks like it just started.'
Scene: Johnny already has a big pile of money, maybe around $15 k, compared with the mustached man he's sitting across. They're setting up for another round.
Manager: 'Ok Johnny... maybe this'll be our last round?'
Johnny: 'What, you wanna quit already?? I've been on such a great streak, man!'
Manager(frustrated): 'Last round! Just place your bet...' (Johnny giddly bets $10 k. Manager deals two cards to Johnny. Manager has a jack and a facedown card, while Johnny has a 4 and a 2.
Johnny: 'Ha, hit!' His next card is an six.
Johnny: 'One more time!' His next card is an 8.
J: 'Oh, I think you're screwed, ha! Stay!'
Manager, defeated. flips over his card. A 7-> his total is 17, and Johnny's is 20, so Johnny wins this last round.
J: 'HAH, oh, well, I'm *so sorry*, man, but as a customer, I'm quite greatful for the opportunity! Better luck next time, man!'
Howard: 'See? I knew you were on a streak!'
J: 'You're right, Howard. I really gotta thank you. I just had no idea I'd win so much. I was pretty scared?'
Howard: 'I just know these things, man. Though I still feel like you'd win just one more round. 6 is a pretty lucky number in my books.'
J: 'Yeah, I know! It's just that the manager only agreed to five, so there's not much else I could do.'
Howard: 'So that's why? That's some bullshit, whenever he does gambles like these, it's always six rounds! I've seen him do it before! Let me go talk to him real quick.'
Howard spots MC and P and waves at them before going to the manager.
MC: 'Well, I guess it's a good thing he's winning, isn't it? Good for him.'
P looks concerned.
Johnny spots the two of you, and rushes over to you.
Johnny: 'MC, thank god you gave me that loan! I've won, like, $25000! I'm freaking out right now!'
MC: 'Howard told us to come see you win. Looks like he was right.'
Johnny: 'Ain't he? He knew luck would be on my side tonight. I might even be able to get one more round out of the manager here.'
MC: 'Another round?'
[['Huh, well, good luck.']]
[['That... doesn't sound like a good idea.']]MC: 'In most circumstances, I wouldn't give you anything, Johnny. I just wouldn't know you well enough to do something like this.'
Johnny: 'But-'
MC: 'But... I don't have much of a choice, so I'll make an exception. $1500 isn't a lot, but you're nothing but a liability, so I'm only giving you the money with a high interest rate.'
Johnny: 'Like... how how?'
MC: 'Getting concerned?'
Johnny: 'No! I can handle it...'
MC: 'For short-term stuff, my rate's high, but this is gonna be higher than usual. I expect 50% compound interest per day you have the money.'
Johnny (angry): 'Wha- what kind of-'
MC: 'I'm not negotiating on that. I know Howard said I'd give you the cash, but I'm not idiotic enough to give $1500 to a child.'
Johnny: ...
MC: 'If you accept, don't you dare try to run away when you lose. I'll be sure to fuck you up personally. I don't play games with my money.'
Johnny: ...
MC: 'What'll it be, Johnny?'
Johnny: 'You think I'm stupid enough to fall for that kind of shit?? Just get out, I don't need it anymore.'
MC: 'Well, that's music to my ears. I'll thank Howard for wasting my fucking time. (motions at P) Let's go, I'm starving.'
You and P quickly rush out of the house, and Johnny slams the door behind you.
MC: 'What a dumbass, P. God, it's gonna cost a lot to get back downtown. I guess I gotta get a car. (Pulls out cellular mobile telecommunication device.) Hopefully we can get Jeff to pick us up.
(Car door opening noise, MC and P are now in the car. MC's cell phone rings.)
MC: 'Yeah?'
Howard: 'What the fuck are you doing?'
MC: '... Don't fucking pull that shit on me, you think he could even pay us back-'
Howard: 'MC, I give you directions so that you can follow them. That's what I'm usually evaluating you on, your ability to shut the fuck up and do as your told. You think I'm stupid enough to give you someone who has no money or colleteral?'
MC: '...No, but how am I supposed to know-'
Howard: 'You're not supposed to know. I sent this kid to you because it would have fucked up my plan. Wouldn't it be suspicious is the kind man who you gambled with on the weekends offered Johnny a loan? Yeah, dumbass, it would.'
MC: 'Howard, don't fucking blame me when you didn't say shit-'
Howard: 'It was a great plan, MC. Me and the manager had a grand plan: make this kid think he's winning the biggest game of his life, only to make him lose everything in the end. It was gonna be pretty funny.'
MC: 'He doesn't have shit to lose-'
Howard: 'You saw his house, he has plenty of shit to lose. His dear old parents were dying, and his inheritance money would've been lining our pockets. But you decided to make things complicated. I'm not happy.'
(Howard hangs up the phone)
MC: '... shit. He could've just told me this shit ahead of time, but he always wants to test me...'
P hands you a note: I'm sorry.
MC: 'The fuck are you apologizing for, you didn't do anything. I fucking hate this shit, P, I really do. I just know this'll affect how *they* deal with us, it'll be bad...'
(Maybe have a cinematic where P puts his hand on MC's shoulder, hands MC a note: We'll be ok, we always are.
MC: 'No we won't, P, and you know that better than anybody...'
Morality +1, company -2MC: 'That... doesn't sound like a good idea.'
Johnny: 'What? Why not?'
MC: 'Well, you've made plenty already. May as well cut your losses. You can even repay me your loan.'
Johnny: 'What? I gotta keep going while I'm ahead, obviously.'
MC: '... It's your call, but there's no harm in giving you advice.'
Johnny: 'Someone like you wouldn't understand. This is a big deal for me. I gotta take this chance while I haven't. Tell ya what, I won't even gamble again after this, I promise.'
MC: 'Johnny-'
Johnny: 'I'll pay you back right after this. I gotta go so Howard now.'
Johnny walks away.
P hands you a note: 'you tried, no helping him'
Morality +2
[[Casino 2]] MC: 'Is that so... well, good luck, Johnny.'
Johnny: 'Thanks, man, I really appreciate that.
P looks a bit angry at MC.
MC: 'What?'
Morality -2
[[Casino 2]] Howard non-chalantly walks over to the group.
Howard: 'MC, thanks for stopping by. I figured you'd want to see this.'
P looks annoyed.
MC (annoyed): 'Thanks for the invitation.'
Johnny: 'How's it looking?'
Howard: 'Well, the old man agreed to one more round of blackjack... (serious) but the stakes are pretty high. He's betting this time.'
Johnny: 'Ok, well, what's he betting?'
Howard: 'Well, he said if you win under any circumstance, you'd get your winnings twenty-fold, but... he's betting $100 grand.'
Johnny: '...You're kidding...'
Howard: 'I'm not, Johnny. He's expecting you to pay back 10 times that if he wins-'
Johnny: 'What? I didn't, what's going on??'
Howard: 'Johnny, I truly believe you could win this. However, even I don't know if you're up for this right now. It's too much for a young guy like you.'
Johnny: 'But... I mean, I've really been doing so good, what if not doing this is a mistake.'
MC: 'Johnny, you ought to listen to Howard-'
Johnny: 'This isn't your business, you don't understand! Howard, don't you think I have a shot?'
Howard: 'I think you do, but I just can't be sure about this. What if you lose?'
Johnny: 'I know I won't! I've got a shot! I've been doing good, man!
MC: 'Johnny-'
Johnny: 'Stop, I made up my mind! I'm seeing this through!'
Howard: 'Wait-'
Johnny: 'Hey, I'll take your bet! You'll be owing me a million in now time! I'm going all in!'
The manager crack a smile: 'Sure thing. I'm sure Howard told you about my terms. Take a seat.'
MC, P, and Howard head toward the table.
The manager gets a 5, and Johnny gets a 7. The dealer gets a facedown card.
The manager looks at Johnny to see if he wants another card.
Manager: 'Well?'
Johnny: '... I'm just thinking, give me a sec.'
Johnny: '... Hit.'
Manager: 'Heh, you sure, kid?'
Johnny: 'Yeah'
P to MC: I think I'm gonna throw up looking at this.
MC: 'I'm sure the bathroom's not far. This'll be over really quick.'
Manager hands Johnny a face-down card. Johnny hesitantly flips it over. It's a king. Total is now 15 for Johnny.
Johnny: 'sigh.... hit'
Johnny gets another facedown card. A moment passes before he turns it over. It's an ace.
Johnny: 'geez, not now...'
P suddenly jots something down on a paper and shoves it over to Johnny: quit
Johnny glares at him: 'I don't need your help right now!'
Manager: '...It's up to you now.'
Johnny: 'I know!...... I'll, uh... goddamit, hit.'
The managerr gives Johnny another card. Johnny doesn't dare touch it. Several seconds pass.
Manager: 'Kid, flip it over.'
Johnny: 'Just wait!'
A few more seconds pass.
Manager: 'Flip it, dumbass!'
Johnny holds his breath and flips over the card: lucky number 7.
...
...
.....
Johnny: 'That's... that's not right...'
Manager: 'It's a done deal, kid. I take this for now...' The manager quickly grabs Johnny's winnings from the previous games.
Manager: 'Howard will be sure to collect the rest.'
Johnny looks shocked. 'What?'
Howard: 'Right, sorry about that Johnny. I'll be hounding on you for a while it seems to get back that money. But hey, that's the risk with gambling. Don't say I didn't warn ya.'
Johnny: 'But-'
Howard: 'I'll be over tomorrow to assess what you have. Oh, and if you run away, you'll be sorry.'
Johnny: 'Howard, what are you talking about? I-I don't have anything (crying)-'
Howard: 'Oh, sure you do. Since old mom and pop will be kicking the bucket anytime now, you'll have you inheritence to rely on. It's times like these when you're quite lucky to have one. Not everyone is as fortunate as you.'
Johnny still sobbing.
Howard looks over at you and P, and he smiles.
You and P are waiting outside for a taxi. Howard mentioned that he'll be sure to get the money owed to you soon, but he might wait a few weeks so that the interest will build up.
MC: 'So we were just pawns in a greater scheme, huh...'
P nods.
MC: 'I really hate sobbing. He looked like a little kid just now that got caught. Well, I mean, he kinda did, I guess. He should've listened.'
P hands you a note: think I'll get in trouble?
MC: 'For what? Oh, that note? Well, Howard might mention it next time he calls me. Don't do things like that, just leave it to me. They don't need more reason to target you.'
P sighs.
MC: 'You ever think about running away?'
P nods.
MC: 'I wonder how someone could run away. They'd be quick to find us, for sure, all things considering. I wish as I was rich as Johnny thought I was.'
P shrugs.
MC: 'Maybe we could run away one of these days, P. That'd be real nice.'
(text-colour:yellow)[setting: apartment with desk in view, daytime]
Howard didn't call the next day for whatever reason, and the days wore on. No point in trying to call him; he never picked up. There were more clients to see, more work to do after all.
(The phone rings)
MC: 'J.M. Holdings, how can we help you?'
Woman: 'Yes, I needed some help. A friend gave me this number. Uh, do you loan out for home repairs?'
MC: 'Yes, for just about anything really.'
Woman: 'Oh, that's good. You see, I need some repairs in my home, and I don't have the money for it right now.'
MC: 'Okay, ma'am, I figured. Uh, what was your name again?'
Woman: 'Susanne Mercel.'
MC: 'Ok Susanne, I'm sure we could get something for you. And what are you trying to repair?'
Woman: 'My roof, there's a big hole right now.'
MC: 'A roof, no problem. Do you know just about how much you'll need?'
Woman: 'Yes, $2000.'
MC: 'Well, this certainly sounds doable. Now, before we make any promises, would it be ok to stop by and check the house out? Also, I'd need to see some proof of income, pay stubs, tax forms, ID, stuff like that, as well. Is that alright?'
Woman: 'Uh, yes, that's ok, I think.'
MC: 'Good, good. Is there a time you'd prefer our meeting?'
Woman: 'Actually, would you be able to come today at some point? I seriously need this as soon as possible.'
MC: 'Uhh, let me just check the schedule real quick... Yeah, I'm free at 3 pm. You'll have proof of income by then?'
Woman: 'Yeah, I have some stuff in my house.'
MC: 'Well then, I'll just need your address, and we'll stop by.'
Woman: 'Uh, wait, this is all a little fast. What was your name again?"
MC: "It's MC. Your address?"
...
MC: 'P? There's one another stop today at 3. A lady needs money for a roof. She doesn't sound weird, but we'll keep our eyes open.'
P nods.
MC: 'Is there anyone else to see today? I feel like I'm forgetting something.'
P: shrugs
MC takes another look at his calendar.
MC: 'Ah, shit. I gotta call them today.'
P stops what he's doing.
MC: 'Hey, there's no need to join in on the call, I promise. I'll be quiet. The problem is that it's at 3:45, and I just made an appointment for 3...'
MC goes back to his phone to call back Susanne, but there's no answer. 'Fuck... just get dressed, man, start making your rounds *right now.* I need you back here by 2 if we're gonna make it on time.'
P nods and leaves to put on his suit.
MC: 'Shit, I really don't need this right now...'
While P left to get things done, MC stayed back at the apartment, making and receiving phone calls, calculating money due to you, and money that MC owes. Although this is a fairly typical work day, there's the anxiety about the phone call with //them//, the Boss. They're the head of several immoral operations across the state, and J.M. Holdings is just one of many businesses they own. Somehow they've gotten away with it for many years, perhaps even longer than you've been alive. As the former golden company of all of te Boss's businesses, MC has monthly personal phone calls with the Boss. Given the dire straits MC and P are currently in, however, it would be particularly bad if MC missed this call. But he can't flake on Susanne either. The pair's debts to the Boss were no trivial matter, and every penny of potential profit counts right now.
[[Monday Scene 7]] It had been a long day, which isn't a particularly unique feeling. Every day was a long day. After finally working up the strength to take a shower, and then it the strength to exit the shower, a call came in.
(cellphone ringing)
MC: 'MC.'
Howard: 'Hey there, glad to hear from ya. Sorry for the delay, you know how it is, haha.'
MC: 'Yeah, no worries. Who am I supposed to be lendinng to?'
Howard: 'It's this kid I met, like a 20-something. Needed a little cash, and you're the best guy I know to give it to him.'
MC: 'Uh huh, yeah, so how much of a cut are you expecting.'
Howard: 'Oh, I don't need the cut anymore, I'm just doing a favor for this guy. Just give him a loan that he'll happily take.'
MC: '...Ok? That's a little weird...'
Howard: 'Don't worry about it, it's just a favor. Still, you shouldn't be disappointing me here.'
MC: 'Yeah, I know that. No worries there.'
Howard: 'Good. I'll check up on ya after the deal's done. Oh right, I need you to go there tomorrow morning, around 9:30 or so. Get some paper to write down the address...'
MC sighs and quickly writes the address down on some scrap paper.
Howard: 'Alright, MC, seriously, don't let me down. See ya.'
phone clicks
MC: 'Well, this can't be good.'
[[Wednesday Scene 5]](text-colour:yellow)[setting: outside of Susanne's house]
*KNOCK KNOCK KNOCK*
After a frantic phone call, Susanne agreed to an earlier arrival. Susanne's home was located in a formerly wealthy area of Constance, before the nearby aluminum factory shut down. The small house was surrounded by empty lots or rotting premises. The high steps up to the porch were suspect. There was a large tree on te lawn that made the house look smaller than it really was. It seemed fairly comfortable from the outside (compared to the rest of the street), with a few potted plants out front and a worn-down rocking chair on the small deck.
After a couple of minutes, someone finally answered the door.
Susanne: 'Hi there, thank you for coming by.'
MC: 'No problem. Thanks for being flexible today.'
(text-colour:yellow)[setting: inside Susanne's home]
MC and P step through the screen door and enter Susanne's home. The 70s furniture dates the living room, but nothing too bad. However, there was a gaping hole in the roof, probably about 3 feet wide. Ragged towels lined the floor beneath it, and only a blue tarp shielded the living room from the unforgiving autumn winds.
MC: 'That's quite the hole you got there.'
Susanne (slight grin): 'Yeah, it was because of that bad storm a couple weeks ago. A branch broke off a tree, and, well, here we are I suppose.
'Have a seat Mr. MC and uh... the sofa's dry.'
MC: 'Certainly.'
Susanne: 'So, I have last year's tax return and a pay stub from my job last week. I hope that's good enough to prove my income.'
Susanne hands him the documents, and MC quickly peruses them. Currently working at a restaurant he's never heard of, and she made a pretty dismal income last year, at around poverty level.
MC: 'Is this your only job?'
Susanne: 'Oh, well I also babysit and do some cleaning work in my spare time. Uh, but I don't report that, I hope that's ok.'
MC: 'That's no problem. So, the $2000 just isn't feasible for you right now.'
Susanne: 'It's not. I got this place maybe 5 years ago? I'm still paying the mortgage on this house, the bills, food. Eerything else goes to the kids. They grow up so fast, and need new clothes, like, every other week, that sort of thing.'
P smiles at that comment.
Susanne: 'I don't have it in my account right now. My kids get scared with the hole there. I can get people to fix it tomorrow if I get the money. This'll cover reinforcement for the rest of the roof too.'
MC: 'Heh, well, hopefully we can work something out. Your kids in school at the moment?
Susanne: 'Yeah, though they'll be at their father's for the week. It was a bit difficult convincing him to take them in while I get the hole fixed.'
MC: 'Sorry to hear that. I appreciate your honesty, but you certainly know that this won't be an easy thing to pay off? $2000 is no joke.'
Susanne: 'It's all I can do. The cheapest people will only take a full payment once it's done, and my credit card limit is too low. I'm just in the shit, I guess.'
MC: 'That's quite a predicament, but this doesn't mean I'll give you the money without interest.'
Susanne: 'I'm aware of that. I'll just take what I can get; I need this done now. I can take more debt if it'll make my kids happy.'
MC: 'Well, it sounds like you're mind is made up-'
P gives MC a note: Don't be too hard on her, not worth it
MC: 'So here's what I'll offer...'
[[How about I cut you some slack, and just give you a flat fee?]]
[[I can give you a low interest rate if you pay it within a few months]]
[[If you can pay it within a couple of months, I'll give you a weekly rate.]]
MC: 'You're an honest woman, so I'll give you a deal. I just give you a flat fee of 20% on the original loan. That'll be the amount due to me, no interest.'
Susanne (smiles): 'Oh, really? I thought it was going to be a lot more...
Susanne: 'Uh, well, I'll just have to accept that, I guess.'
MC: 'Thanks for making this quick. We'll write you up a contract, and give you the cash.'
Susanne: 'Thanks... So, is there a required time for me to pay it all back?'
MC: 'Hmm, based on your income... P, go ahead and put a 6-month deadline to it. 6 months ought to be enough time. After that, I'll be on your ass about it.'
Susanne: 'Ok, yeah, I think that'll work. And you'll put the total on the contract?'
MC: 'Yup, I wouldn't let you sign if there were a bunch of tricks. Just read it carefully.'
Susanne: 'I will...'
As always, P takes out a template contract from his briefcase and starts filling in the blanks of the long form. It was incredibly convenient to carry a bunch of copies of instead of the really tedious method of typewriting everything. P was always the one who typed though since he was far better with his hands than MC.
P hands Susanne her contract. She slowly reads through it, but starts perking up as she gets toward the end.
Susanne: 'I can pay this, most defintely. I think I can do it. Thank you, I really mean it. I'll sign.' P hands her a pen, and she quickly signs the dotted line.
MC: 'Thank you, Susanne. P?'
P was also skilled with his hands when it came to strength, so he always carried the cash. He quickly counts out $2000 in $100 bills, stuffs it into an empty yellow envelope from his briefcase, and hands them to the woman.
MC: 'We only accept payments by mail, or if it's impossible, one of us can stop by your house to pick up the payment. Feel free to call us if your in need or want to know how much you owe. Here's my card with the PO Box on it."
Susanne: 'I can't thank you enough. I really appreciate this.'
(MC and P start to leave.)
MC: 'No problem, ma'am, it's just my job.'
As the two leave, P gave MC a smile and a note: that was quite nice of you.
Morality +2, company -1, P +1
[[Boss Call]] MC: 'You're an honest woman, so I'll give you a deal. I just give you a monthly interest rate of 15%. I usually go higher, but I'm being nice.'
Susanne: 'Uh, well, I'll just have to accept that, I guess. I really need to get it fixed, so...'
MC: 'Thanks for making this quick. We'll write you up a contract, and give you the cash.'
Susanne: 'Thanks... so, is there a required time for me to pay it all back?'
MC: 'Hmm, based on your income... P, go ahead and put a 3-month deadline. I'd recommend paying it within 3 months, I think that'll be reasonable for your income level. After that amount of time, we'll be more persistant in getting your payments.'
Susanne: 'Ok, yeah, I think that'll work. And you'll put the total on the contract?'
MC: 'Yup, I wouldn't let you sign if there were a bunch of tricks. If we go with a 3-month plan, we'll write down how much you need to pay each month.
Susanne: 'Mhm...'
As always, P takes out a template contract from his briefcase and starts filling in the blanks of the long form. It was incredibly convenient to carry a bunch of copies of instead of the really tedious method of typewriting everything. P was always the one who typed though since he was far better with his hands than MC.
P hands Susanne her contract. She slowly reads through it.
Susanne: 'Ok, I think I can do this. Well, I suppose I have to. Thank you, I'll sign.' P hands her a pen, and she quickly signs the dotted line.
MC: 'Thank you, Susanne. P?'
P was also skilled with his hands when it came to strength, so he always carried the cash. He quickly counts out $2000 in $100 bills, stuffs it into an empty yellow envelope from his briefcase, and hands them to the woman.
MC: 'We only accept payments by mail, or if that's not doable, one of us can stop by your house to pick up the payment. Feel free to call us if your in need or want to know how much you owe. Here's my card; it has the POP Box on it.'
Susanne: 'Thanks. I'll do my best to pay you back.'
MC and P start to leave. 'No problem, ma'am, it's just my job.'
As the two both exit the house, P doesn't look too happy, and he gives MC a note: you know that wasn't reasonable
MC: 'Please, P, you understand the position we're in. To protect us, *you*, I can't pull any punches. It's not my fault she's in this situation.'
P looks away from you, and he doesn't hand you anymore notes as you both go back to the apartment.
Company +1, P -1
[[Boss Call]] MC: 'The thing I usually do in cases like these is give you a weekly rate. In your case, I'll be generous; we'll do 3% compund interest per week.'
Susanne: 'Uh, well, I'll just have to accept that, I guess.'
MC: 'Thanks for making this quick. We'll write you up a contract and give you the cash.'
Susanne: 'Thanks... so, is there a required time for me to pay it all back?'
MC: 'Hmm, based on your income... P, go ahead and put a 2-month deadline to it. Based on your income, I'd recommend paying it off in two months. After that time, we'll be hounding you for payments and interest will keep growing, so don't slack.'
Susanne: 'Ok, I think that'll work. And you'll put the total on the contract?'
MC: 'Yup, I wouldn't let you sign if there were a bunch of tricks. We'll write down how much you'll pay if you want to do it weekly or monthly. Just read it carefully.'
Susanne: 'Mhm...'
As always, P takes out a template contract from his briefcase and starts filling in the blanks of the long form. It was incredibly convenient to carry a bunch of copies of instead of the really tedious method of typewriting everything. P was always the one who typed though since he was far better with his hands than MC.
P hands Susanne her contract. She slowly reads through the piece sternly and sighs.
Susanne: 'I think I can do it. Alright... I'll sign.' P hands her a pen, and she quickly signs the dotted line.
MC: 'Thank you, Susanne. P?'
As always, P takes out a template contract from his briefcase and starts filling in the blanks of the long form. It was incredibly convenient to carry a bunch of copies of instead of the really tedious method of typewriting everything. P was always the one who typed though since he was far better with his hands than MC.
MC: 'We only accept payments by mail, or if it's impossible, one of us can stop by your house to pick up the payment. Feel free to call us if your in need or want to know how much you owe. Here's my card; the PO Box is on it.'
Susanne: 'Alright. Thank you.'
MC and P start to leave. 'No problem, ma'am, it's just my job.'
You both quickly exit and rush back to the apartment for that phone call.
[[Boss Call]] The duo ran into the apartment at about 3:20, leaving a few minutes to catch your breath.
MC: 'Get my notes!'
P rushed over to MC's desk and started rummaging through the drawers while yMC stood hunched over in the kitchen, trying to fix up glasses of water, but his hands were shaking too much.
MC: 'Should be labeled with today's date, says 'Meeting Notes.''
P keeps rummaging through the drawers, looking a bit more frantic. He then starts looking through the boxes behind your desk.
MC: 'Is not in the desk?! Fuck me, keep looking there, I'll look somewhere else!'
MC rushes over to the bedroom where his twin size bed and P's futon are squeezed together. It's not on his bed nor P's, maybe under it? It's not there, nor under the dirty clothes on the floor. What was this, a family sitcom?
MC: 'FUCK, WHERE IS IT?'
It must be 3:26 pm by now. The Boss is extremely strict about schedules, and has creative consequences for people who are late on phone calls.
P suddenly rushes through the door frame holding the marked manila folder.
MC: 'Thank FUCK!'
MC grabs the folder and scurries to his desk, trying to calm his heart down before facing (well, calling) the person who controls his life.
As he began to dial the number on your phone, P hands his colleague a glass of water.
MC: 'Thank you.'
As P wanders over to the bedroom to avoid hearing any of the impeding conversation, MC sips water as he waits for the Boss to pick up. If only they didn't answer. But suddenly-
(Sound of ringtone and the pickup button)
Boss: 'MC?'
MC: 'Yes, this is he.'
Boss: 'Good. Give me the rundown.'
MC gives a lengthy overview on the work he and P have done for the past month: the number of new clients (it's less than the month before, but still a sustainable amount), how effective intimidations have been, and, the most important part, the amount of profit the business has reeled in. It's not as much as usual for some reason, but it should pick up once October rolls around, as it has in past years.
Boss: 'Hm, ok, so just the same as last year, then?'
MC: 'It seems like it.'
Boss: 'It's good that you've been doing so well compared to others in the past, otherwise you'd be gone by now.'
MC: 'I understand.'
Boss: 'So I think you've paid off about 0.5% of what's due in the last few months, right?
MC: 'I'm splitting my earnings, so it's 0.25% right now.'
Boss: 'Oh, right, right. Forgot about that one. How is he?'
MC: '...Fine.'
Boss: 'I see. Well, as you already know, I won't be getting rid of you because of your success, but I need more growth, more than ever. We're going through a lot of shit right now, and we need more funds. You've been too nice so far.'
MC: 'I understand.'
Boss: 'Now MC, I know we've had trouble with this in the past, but that's the past. I'm sure you, well, understand what's at stake better now. You need to do more.'
MC: 'Yes, I will.'
Boss: 'I won't be so nice next time.'
MC: '... I know.'
Boss: 'Good, good. Anything else to tell me?'
MC: 'No, Boss.'
Boss: 'Alright. So Howard will be working more closely with you for a little while. He'll be giving you some good clients. He's no good at giving loans, so you'll need to help with that.'
Howard was somewhat of a right-hand man to the Boss. MC wasn't actually sure what his role was (no one was really sure, in fact), but he just had a hand in everything. MC dreaded having to deal with the guy longer than necessary; Howard had a thing for being an asshole for no damn reason.
MC: 'I see. We'll get things done, no worries.'
Boss: 'Great. Thanks for the call. I hope your evening goes well.'
(Sound of phone hanging up)
The Boss abruptly hung up the phone, and MC quickly sprung up from his seat and headed to the bedroom.
MC: 'P? You know if we need to get more cards printed?'
P had been laying on his futon in the dark with his eyes closed.
MC: 'Oh... P?'
P opened his eyes and sat up. He nodded and pointed to beneath MC's bed.
MC: 'Oh, right, thanks.'
MC bent over his bed and reached for a box of business cards they had printed a year ago. Each flyer advertised JM Holdings and offered a "free consultation." They were fine except-
MC: 'Damn, we changed phone numbers, didn't we? Well, P, let's correct them. We can just write in the new number, I think. Maybe tomorrow we can start spreading these around again, maybe visit the suburbs for a bit. We gotta get those numbers up.'
P nodded, and after grabbing a couple pens off the floor, you both head to the kitchen table.
[[Monday Scene 8]] (possible cinematic?) There's silence in the kitchen, save for the occassional scratching of dying ballpoint pens. Before what had happened to P, it wasn't too difficult to fill in silence with chit chat about weather or food or basketball. But now, it's just pens since the TV is broken.
MC: 'The pens sound like mice. Almost makes me jump.'
P smirks.
MC: 'Hope the traps are working.'
They continue writing.
MC: 'How are you?'
P draws a checkmark on his palm.
MC: 'Are you?'
P nods.
MC: 'I see.'
...
MC: '...We could both learn sign language; it'd be easier.'
P shook his head.
MC: 'It would, you know it.'
P didn't respond.
MC: 'You know I'm right.'
P sighed and put a card in the stack.
MC: 'Don't make me beat around the bush, P. I'm just saying we should look for a solution.'
P writes on his hand again: I'm fine
MC: 'You're not. How can you be if you're still in denial?'
P keeps his head down.
[[Alright, be that way]]
[[I'm worried]]MC: 'Alright, be that way. I'll stick to picking up the slack, as usual.'
P sighs as he grabs about half of the remaining cards and stands up.
MC: 'What now?'
P heads towards the room and quietly closes the door.
MC just keeps his head down and continues fixing his cards.
P -1
Despite setbacks, the pair manage to pass around the flyers around downtown and elsewhere, stuffing them in mailboxes and windshield wipers whenever going out on rounds.
[[Thursday Scene 9]] MC: 'I'm worried about you. You know that too. I can't solve everything, but we can try *something*.'
P shakes his head.
MC: 'Not talking isn't a normal way to deal with something terrible, and I'd just like to talk to you like normal.'
P keeps his head down.
MC: 'Okay, fine. Just looking out for you, that's all.'
P writes on his arm: I know
MC smiles a bit, and the two continue correcting the phone numbers.
Despite setbacks, the pair manage to pass around the flyers around downtown and elsewhere during the week, stuffing them in mailboxes and windshield wipers whenever going out on rounds.
[[Thursday Scene 9]] On Thurday, there's an appointment with a high-schooler who was "in a pinch," as he called it. The kid was fairly forth-coming on his phone call to the office, so MC was willing to stop by and ask some questions. Thankfully, they'd be meeting at a library that was a block away from their apartment, so it wasn't a hassle to get there.
MC (to P, in the library): 'He should be in room 18E.'
Once they find the door, P lightly knocks. A young man quickly opens the door as if he was standing right behind it the whole time.
MC: 'Uh, Will?'
Will: 'Yeah, sorry if I'm being weird, these librarians just hate noise. Didn't want to have anyone lookin' at ya weird.'
MC: 'Well, okay. So, Will, I understand you'll be needing some assistance, but I gotta check some ID first.'
Will: 'Uh, why's that?'
MC: 'If I can't tell that you're an adult at first glance, I'm asking.'
Will: 'But I already told ya I was 19 on the phone!'
MC: 'Look, if you want to waste my time, I'll leave.'
Will scowls and digs around in his backpack. Looks like he came here right after school ended. The fact the kid's in a school uniform says a lot. He pulls an ID out of his wallet, but stops before he can hand it to you.
MC: 'Is there a problem?'
Will: 'Look, I'll only hand it to you if you promise to hear me out afterwards, okay?'
MC: 'You don't make the rules here; show me your ID.'
Will pouts but gives you his ID. Sure enough, he's actually 17. See, this is what happens whenever MC doesn't properly do a background check.
MC: 'Well, I should've guessed-'
Will: 'I'll be 18 next month! I thought you'd hear me out!'
MC: 'I never promised that, but since I'm already here, I'll give you a minute to explain what you want.'
Given that there's only one chair in the room, the three decide to sit on the floor before any further discussion. Annoying, yes, but sometimes sacrifices have to be made for privacy.
Will: 'You already know I need the money for some living expenses, but it's kinda like I'm running away? Kinda, when I'm 18 it's not really running away, so yeah.'
MC: 'Why do that? I assume your parents are capable of caring for you.'
Will: 'Hmph, yeah, but they care way too much. It's terrible. I had to fight tooth and nail just to get a part-time job.'
MC: 'And?'
Will: 'And... well, I can't take it anymore. It's been a struggle my whole life, man. Like, I've never had anything for myself. Never allowed any fun, always made to shit I didn't want to do. No moments to myself.'
MC: 'That really doesn't sound all that bad-'
Will: 'Wha- it is! My mom literally wouldn't even let me sleep if she knew had a test or something. She'd make me stay up 'til 2 am doing drills or whatever with her so that I'll make an A. She's been doing this since 2nd grade!'
P raises his eyebrows.
Will: 'They didn't let me have friends or watch movies or anything. They didn't want me to work since, if I had money, I could spend it on things I wanted. It was that freedom that made me realized how fucked my situation was!'
MC: 'So you're running away.'
Will: 'Yeah, just gonna leave. I feel like I'm gonna kill myself if I stay with them for another second, so yeah.'
MC: 'Hmm. So, what's your job now?'
Will: 'Well, I'm doing paper work for a doctor's office. It's pretty nice, and the pay's really good compared to flipping burgers.'
MC: 'Yeah, that could be good for a high schooler. Any evidence of that?'
Will: 'Yeah, here.'
The boy's pay stubs checked out. There are plenty of people twice his age that would kill for a wage like his. He seems to be making just enough money to give him a loan under normal circumstances...
MC: 'Ok, but what's the plan when you run? I hope you're not planning to live on the street.'
Will: 'Heh, nothing like that. I'll live in the budget motel across from the library. They only charge $250 a month, and that includes water, gas, cable- I'll be set! And then I'll drop out, get my GED in like, a month, work, and start training to be a plumber.'
MC: '...Huh, that's quite a plan.'
Will: 'Yeah, I just like to prepare.'
P hands you a note: ???
MC nods.
MC: 'Uh, where are you living currently again?'
Will: 'Upper Heights.'
That's... well, it's the 'suburb' at the north tip of the city filled with rich folks and custom homes. And this kid wants to move into one of the grimiest spots in town...
MC: 'Will, I highly doubt you'll do well. You've been coddled for a long time.'
Will: 'And I hate it. I'm not stupid, I know Budget Inn is shit, I've been in it. However, I need to be free from this tyranny.'
MC: 'I can understand that, but surely you can just tolerate your parents for a little longer...'
Will: 'I can't.'
MC: '...I see. Well, I'll need to know exactly what you'll be using the, what is it, $1000 for.'
Will: 'I just need some cushioning. If all goes well, I won't even use it. I might also need it for some other issues as they come up. Like, if they find my money and they take it, I'll still be able to leave.'
MC: 'Huh, issues, alright...' (rolls eyes)
Will: 'Well, are ya gonna give it to me?'
[[I understand that you're desparate, but you're still underage.]]
[[Hmph, you know what, I'll cut you a deal...]]
[[I'm concerned about your plan...]]MC: 'Will, I understand that you're desperate, but you're still underage. It's just against my principles to do something like this.'
Will: 'But... okay, well, I can wait until next month. Maybe I just visited with you too early! I'm do things too fast sometimes, I think, heh. I do stuff like that a lot. How about it next month then?'
MC: 'Nah, I don't think I will. This just has a bad taste in my mouth. Don't want you to end up in trouble and have that on my conscious. I've got enough of that.'
Will: 'What? What's you deal? I'll be able to pay you back once I get out there, isn't that enough?'
MC: 'Honestly? No. Just graduate high school, live with your parents, and *then* move out. Sometimes you have to put up with the bad stuff so that you'll suffer less in the future.'
Will: 'I'm already suffering though!'
MC: 'Yeah, ok, I know. But there's a lot worse out there in that motel. Save up even more and try to get a nicer apartment once you graduate, okay?'
Will scowls.
Will: 'Whatever.'
He exits the room quickly, slamming the door.
MC: '...I guess he forgot about the librarians, Christ...'
P hands you a note: Poor kid
MC: 'C'mon, he's anything but poor. May as well stay with his parents and have 'em pay for his education. He can cut them off after he leaves.'
P: You know what I mean
MC: 'Yeah, I know. I just hate rich people too much. He's doing too much.
P: Good head on shoulders though
MC (chuckles): 'Yeah, I guess he does, in a way. At least he's trying to do something for himself. I was such a dumbass, crying all the time. Should've just left, but I was too scared.'
P: Me too
MC: 'Damn, I guess that's how it is for us. Losers in childhood, and then we end up being losers for life. What a joke.'
P: it's not very funny though
MC: 'I could imagine someone else laughing at it, just not us.'
Morality +1, company -1
[[Monday Scene 10]] MC: 'Hmm. I certainly have to appreciate your courage. Well, it's more like recklessness, but there's a little courage at least. You know what, I'll cut you a deal.'
Will: 'You will???'
MC: 'Yeah, calm down. We're in a library. Hmm... How long are you planning on keeping a hold of this money again?'
Will: 'I'd say about 6 months. By then, I'll have saved enough of my own cash to have a really good safety net.'
MC: Okay... Will, I'll give you the money at...'
[[20% compound interest per month]]
[[5% compund interest per week]]MC: 'Will, I'd help, but I'm concerned about your plan.'
Will: 'What about it?'
MC: 'I can guarantee you, things are not gonna work out as smoothly as you think. There's no such thing as a straight path, no guarantee you won't get in some sort of trouble. Having an extra $1000 isn't gonna keep you on your feet for long.'
Will: 'Look, don't act like you know everything. I'm not even telling exactly what my parents have been doing to me all my life. I'm not gonna last much longer if I live there. I have to leave.'
Will starts tearing up, and MC is a bit frazzled, but it doesn't show.
Will: 'I know it won't be perfect, but this is what I have to do. This is what I need the extra money for, in case I'm in an emergency, or an accident or something.'
MC: 'In this country, $1000 won't cut it. Look, I appreciate that you're in dire straits right now, but I know it'll only get worse if you run off right now. I think I can help you figure something out.'
Will: 'Like what?'
MC: 'Well... maybe instead of staying at a motel, you could try to find a roommate somewhere. The apartments near the college have a lot of students. Maybe you could room with someone there?'
Will: 'I don't know.'
MC: 'It may even be cheaper then staying at the motel, safer too.'
Will: 'I guess so.'
MC: 'And uh, P, I bet you have some ideas too!'
P (surprised), writes down on a notepad: credit?
MC: 'Right, credit, that's important! You'll want to start building credit once you're 18 or else you won't be able to rent anywhere nice in the future. And there's also...
MC and P end up giving life advice to Will for another 20 minutes or so, and Will, being Will, frantically writes it all down.
Will: 'Uh, so maybe I won't be needing the loan then.'
MC: 'Hmm, yeah, I'd agree. Wasn't gonna loan anything out to a kid anyway.'
Will: 'I already said I'm about to be 18-'
MC: 'You're legally a kid, so you'd be a big liability. I don't have anything else to say, so I think we're done here. Hopefully you'll be able to figure it out.'
Will: 'Yeah, I will... thanks.'
MC: 'Whatever. And if you're at the library anyway, how about some self-help books? God...'
Morality: +2, company -1
[[Monday Scene 10]] MC: '... 20% compound interest per month.'
Will: 'Uh... can I get a calculator real quick?'
MC: 'Sure.'
Will looks through his backpack for a calculator and punches some buttons.
Will: 'Wow, you really think I'd fall for that? I'd owe you nearly $2000 afterwards!'
MC: 'No offense, but you seem like the type to fall for that, yeah.'
Will: 'I- well that's pretty rude! I won't be signing up for this bullshit!'
MC: 'I'm not forcing ypu. If you don't like it, sorry. I'm not budging.'
Will scowls. 'Whatever.' He exits the room quickly, slamming the door.
MC: '...I guess he forgot about the librarians, Christ...'
P hands you a note: Poor kid
MC: 'C'mon, he's anything but poor. May as well stay with his parents and have them pay for his education. He can cut them off after he leaves.'
P: You know what I mean
MC: 'Yeah, I know. I just hate rich people too much. He's just doing too much."
P: Good head on shoulders though
MC (chuckles): 'Yeah, I guess he does. At least he's trying to do something for himself. I was such a dumbass, crying all the time. Should've just left, but I was too scared.'
P: Me too
MC: 'Damn, I guess that's how it is for us. Losers in childhood, and then we end up being losers for life. What a joke.'
P: it's not very funny though
MC: 'I could imagine someone else laughing at it, just not us.'
Morality +1, company -2
[[Monday Scene 10]]MC: '...5% compund interest per week.'
Will: 'Per week?? Isn't that a bit much?'
MC: 'It's only 5%. I'd be making near pennies compared to what I usually make off more guillible people.
Will: 'Well, it's still a lot.'
MC: 'I can understand why you'd be annoyed, but you gotta remember I just can't hand out loans for free. I'm giving you a discount since I have a little respect for your, uh, tenacity.'
Will: 'Can you budge at least a little on this?'
MC: 'Nope. I don't negotiate.'
Will: 'Geez, well...'
MC: 'You could try to borrow from someone else, but every lender within a 30 mile radius doesn't give shit to kids. This is the only exception.'
Will: 'I see... I don't have much of a choice then. I'll take the loan.'
MC: 'Alright then. P, please get out a contract.'
After the deal, MC and P browsed the library's lower level since there wasn't much else to do.
MC (looking at books): 'What a weird kid. It would've been easier for him to just stick with the shit and lay low for a while...'
P hands him a note: Are you hitting a new low?
MC: 'What's that supposed to mean?'
P gives you a stern look.
MC: 'I don't feel great about it, no, but what else am I supposed to do? Let him meet an asshole with a higher interest rate? And I gotta look out for our asses too!'
P looks annoyed.
MC: 'Don't look that way. We're paying our debts off little by little, and we'll be able get out of this shit business. I have to do this for us. And hey, the kid's got a good head on his shoulders. He'll be in debt, but he'll pay it off eventually.'
P walks away to look at some books without you.
MC: 'P...'
Company +1, morality -1, P -1
[[Monday Scene 10]] It's morning again on another fall day. The leaves has started changing into more festive colors, and the sharp, chilly breezes wouldn't let up. MC felt a small hole forming in his coat pocket the other day, so he'll have to drag himself to the department store sometime this afternoon. If he didn't get a coat now, he wouldn't get one until it ripped in half. Anyway, he's had that cheap coat for about a very long time now. It was a wonder that it held up this long.
MC and P had another normal appointment today, someone in need of a business loan. After vetting client's background, the duo saunter their way over to her small dwelling. MC was particulary hoping for a quick sell, as he had plans for the department store and lunch that afternoon.
(Knock, knock, knock.)
MC: 'Ahem, Laura?'
Laura: 'Oh yes, Mr. MC? Do come in.'
The two entered what had to be the most pristine apartment on the whole block: a neatly kept bookshelf lined the tan walls. The carpet didn't have a speck of dust, nor did the coffee table. It was a bit weird seeing a young woman live in such a pristine, somewhat luxurious home alone. MC was expecting more of a college kid aesthetic.
Laura: 'Coffee? Or should we juat get to the point?'
MC: 'Do you have any decaf?'
Laura: 'No, just regular.'
MC: 'Then no thanks, I'll be fine.'
MC took a seat on the sofa, and P followed suit.
Laura: 'Did you already receive my materials? I had them mailed a couple days ago, I figured it'd be faster then going through it all here.'
MC: 'Yeah, I did. P?'
P hands MC a manila envelope.
MC: 'This is, well, an interesting project you have. I haven't heard a lot about ventures into the pet food business.'
Laura: 'I guess it's not the hottest thing in the market in at the moment, but there's a lot of potential. People are spending more and more on their dogs and cats every year. People want luxury goods for ol' Fido, and they're not getting that from kibble. I'm marketing towards the people that want something more, uh, wholesome than standard chow but don't have a money to hire a chef for their cat.'
MC: 'Huh, well, from the sounds of it, you're pretty passionate about this.'
Laura: 'I've certainly done my research. Two years, in fact. I've put in all my savings into developing my recipes. I have local manufacturers who are willing to work with me, I just need more backing.'
MC: 'Yeah, you seem to be knowledgable, clean background... why even come to us?'
Laura: 'I already outlined to you what I'd need the $20,000 for in the documents I sent you. I'm paying for everything else.'
MC: 'No, I mean, couldn't you go to a bank or something? A private investor or a partner? Honestly, we're a bit shady, and I'm sure you know this.'
Laura: 'Oh, well, just look at me, haha. No bank's lending out to anybody right now, and I've certainly tried to reach out to people looking into start-ups. You really think they'd be interested in someone like me? Of course not. I've tried apply for government loans, but it's only been a dead end for the last year.'
MC: 'That's too bad. Well, I don't want to linger here too long if it's not necessary. I think I'd be willing to make a deal. But first, I'd like to know just when you think you'd actually pay us back?'
Laura: 'Look, as I'm sure you know these things take time. I can't guarantee payment in a year or even three years. There's still a lot of brand building I have to do.'
MC: 'Okay, I see. You have to realize that I don't do loans like this normally. In fact, it's extremely abnormal for me to lend out this much to people I've met for the first time. However, I've made an excecption this time. I need some guarantee.'
Laura: 'Sir, I don't have a guarantee right now. The best that I have is what I've given you.'
P gives you a look.
MC: 'Hmm, I see...
[[Discuss further with Laura]]
[[Walk out]]
MC: 'I'd like to know a little more about your experience though. What makes your qualified to have a dog food business?'
Laura: 'Well, I've been a veterinary assistant since high school. I thoroughly know the dietary requirements of a wide range of animals, though I'll only be focusing on cat and dog food for now. I also have a small business where I cook more, well, fancy meals for pets. It's obviously for pretty rich people, but I've learned what foods I can make while keeping costs low. That was my starting point.'
MC: 'I see. But it sounds like you don't know much about getting into product manufacturing-'
Laura: 'Like I said, I already have agreements with a manufactuer. Our recipes have been created, I know details of production. We'll keep it local and small-scale for now while I try to get the word out. I'm thinking word-of-mouth will be really good. I'm even in talks with mom-and-pop groceries around town. I've done plenty of homework.'
MC: 'I guess so. Any thoughts, P?'
P hands MC a note, and MC chuckles.
MC: 'Heh, well, that's a good point. Got any pets?'
Laura: 'Ahaha, well, at the moment, no. This apartment doesn't allow any, but I get to hang out with other people's pets, so I'm fine with that.'
MC: 'That's fair. Okay, well, I think I've made up my mind. I'm only going to loan you out $15,000...'
[[.with interest at 16% monthly for three years.]]
[[but I want a stake in this too.]]MC: 'Is there anything to reassure me that you could pay back at least half of the amount in the next 5 years, including a reasonable interest rate?'
Laura: 'Mr. MC, this is a business I'm making, and I'm still only working for pretty meager pay. I can't guarantee you anthing, but that's the nature of making a risk.'
MC: 'In that case, I shouldn't prolong this. I thought this could be good, but I'm not comfortable with this sort of risk. Let's go.'
MC and P start getting up to leave.
Laura: 'Then I'll just have to look into loans from Ethyl then.'
MC and P both stop at that name.
Ethyl is a rival group that does similar... practices as the company MC and P work for. They're markets overlap from time to time, and the Boss has made it company policy to out-do rivals in every way. MC's loaning practice has been doing just that for some years now, and the Boss would probably recommend MC to loan out to Laura. However...
MC: sigh 'If that's suppose to be a threat, it's not going to work. I'm just protecting my money, and I'm not here to squabble with other assholes over a loan. We'll be leaving.'
Laura: 'Suit yourself.'
As you two leave the apartment, MC immediately starts talking
MC: 'Now, I know what you're going to say, P. I'll have you know that the Ethyl shit is barely relevant to us. We just have to keep doing what we're doing, and the Boss won't bother us about it.'
P shrugged, and the two moved on.
company -1
[[Monday Scene 11]]MC: 'I'll give you the loan at a fixed monthly rate, say, 15% monthly, for up to three years. However, I'd be willing to give you the extra $5,000, from my own money, if I get some equity.'
Laura: 'What? You can't ask for that.'
MC: 'It's money, isn't it? I can do things on my own. No interest attached to it either.'
Laura: '... Just how much are you looking for?'
MC: 'Uh, hmm... I'll go small, how about 10%?'
Laura: 'Wha- is it that worthless to you?'
MC: 'What, are there other owners?'
Laura: 'No, but that's extremely unfair.'
MC: 'It's unfair to give you some of my own money and give you an extremely kind interest rate?'
Laura: 'You know what I mean.'
MC: 'I do, but you have to remember that I have to protect myself also. If anything, I have some trust in your company, enough so that I'd give you my own money.'
Laura: 'Geez, can I just take the loan? I don't need the extra.'
MC: 'I'm not sure about that.'
Laura: 'Is there any reason that you're being difficult about this?'
MC: 'I already gave you my reasoning. Now, if you want to go to Ethyl or some other asshole loaner who will put secret fees in a contract, you can.'
Laura sat there silently for a few moments.
Laura: sigh 'Can I just think this over? I'll call you back in a day or two.'
MC: 'Sure, that's fine. P, let's head on out. Good luck with your thinking.'
Laura: 'Yeah, thanks...'
Company +1, morality +2
[[Monday Scene 11]] MC: 'So, I'm pretty sure the place is just right around the corner... oh, right there.'
Right after meeting with Laura, MC and P walked to a familiar spot, a local restaurant called Ed's that's been crusted with grease for decades. The two of them always have a little get-together with Lady every other week or so, depending on schedules. It was more convienient to go to a rather undesirable location. No need for the public to get concerned about suspicious people gathering if Ed's was always empty.
The two men entered the molding building to see Lady sitting in their usual booth with her back turned to the door.
MC: 'Lady, nice to see you again.'
MC and P take a seat in the booth.
Lady: 'Ah, MC, P, always good to see you. Oh, I already put our orders in, but no drinks yet, I'm afraid.'
MC: 'Thanks, and drinks always take a while, so it's fine.'
Lady: 'Mhm... P, how's it going? Doing alright?'
P nods sheepishly.
Lady: 'Hmm, I feel like you're being shy for some reason. Reminds me of old times.'
MC: 'It wasn't that long ago, we're not old...'
Lady: 'Perhaps, but I'm certainly old, at least, so that's why it feels like a long time ago... Anyway, how's the cellphone business been going? I hope you still have the eyesight to read the buttons, they're pretty small...'
MC: 'It's *fine,* thank you. I just said we're not old; my eyes are just fine. Anyway, what's with you?'
Lady: 'Hmm... there's not much going on, save for work. There's been less messy jobs, thankfully. I've saved at least $50 on dry cleaning just this past month; it's unbelievable.'
MC: 'Huh, why's that?'
Lady: 'I'm spending less because I'm using the dry cleaner's less.'
MC: 'Ha ha, you know what I mean, Lady.'
Lady: "Heh, I know, just messing with you. I would like to think it's because your customers know how to stay in line. Maybe the Boss has something to do with it. Who knows.'
MC: 'I don't think there's anything different when it comes to my clientele... Well, if it helps you, I don't see it as something to worry about.'
Lady: 'Well, P, you hear anything good on the radio lately? '
P shakes his head and scribbles on a small notepad.
P: Only good thing this year is REM. Rest is shit.
Lady: 'Well geez, that's kinda harsh.'
MC: 'Don't get him started on this please. You know about his taste.'
P writes on his notepad: talking about my taste won't make me sell my records.
MC: 'I only suggested that because they take up space. No one uses records anyway, just get tapes.'
Lady: 'Tapes? Don't you use CDs?'
P: clearly you can't appreciate a superior format
MC: 'I don't have time to get a CD player or to fix the recorder player, P. God.'
Finally, the waitress stops by the trio's table with their lukewarm plates of fried chicken, the only thing half-way decent on the menu.
Waitress: 'Y'all ready?'
Lady: 'Yes, thanks.'
MC: 'Wait, the cutlery?'
Waitress: 'Heh, right, almost forgot.'
The waitress handed over three sets of cutlery wrapped in a thin napkin. The three colleageus ate everything with a utensils out of habit from their youth.
MC: 'Wow, it's actually warm this time.'
Lady: 'Mine's not.'
MC: 'Too bad. I'd still like some water though.'
P: drinks are always late
They sat in silence for a bit as they started picking away at their homely feast.
MC: 'Hear any news from Howard?'
Lady: 'Hmm, no, I don't think so. Why?'
MC: 'I still haven't heard about whatever the hell he wants me to do.'
Lady: 'It's probably something annoying.'
MC: 'It definitely will be, not probably.'
Lady: 'Are you worried?'
MC: 'No? I don't think I am. Actually... probably? Honestly, the stress is just getting to us. I don't know how much longer I can do this.'
Lady: 'That makes three of us, MC.'
P: maybe we should've ran away a long time ago
MC: 'Yup, that's what I think. I'm so fucking tired.'
Lady: 'Well, how much left is there?'
MC: 'Heh, well, last time I checked, with P and me, it's something like $300, $350,000? Something like that.'
Lady: 'Hey, that's not too bad. I remember you had around $900,000 when I met you.'
MC: 'Yeah, but that was a decade ago. I don't wanna wittle down on debt that's not even mine for another 10 years.'
P slips another note: sorry
MC: 'Don't apologize, P. I want to do this for you, I just can't abandon you. Besides, I'm not talking about paying your debt, that's no problem. I just mean the whole "familial debt" concept in general. Well, how about you, Lady? What do you got left?'
Lady: *sigh* 'Something ridiculous, more than yours. I was fucked over real bad a long time ago, you know that.'
MC: 'Sorry, didn't realize it was still a sore spot.'
Lady: 'Hah, I feel like you said that to get back at me poking fun earlier.'
MC: 'Nah, I was just curious.'
Lady: 'Man, I guess we really should've run away, huh? It's way too late for that now. We'd be dead for sure.'
MC scoops up a forkful of some loose mashed potaoes. 'Mhm.'
The table remains in silence as Lady starts to finish up before the two men.
Lady: 'It's just rough out here, no doubt about it. Ugh, I don't like talking about it. Can we change subjects?'
P writes something down: TV?
Lady: 'Ah, sure. Y'know I saw re-runs of some show, Women in Prison, and...'
The three chit-chatted for about another half hour, catching up on TV, movies, politics, and the like. Hanging out together was always a highlight of the week or month. If anything, they felt like normal people at that greasy dinner, talking about normal things.
Lady looks at her watch.
Lady: 'Hmm, I think I'll have to head out right about now. I'll call in a few days to let you know when I'm free again. Oh, wait, MC, almost forgot to mention this, but I'm having a bit of trouble with a client of yours. Gonna have to pay him a visit real soon. Think you could tag along with me?'
[['Damn, sure, I can do that.']]
[['I'm gonna be busy; I'm sure you can handle it.']]Lady: 'Sounds good. I'll let you know when on the next call.'
MC: 'Alright. Talk to you then.'
Lady: 'Mhm. Bye now, see you later, P.'
As Lady walks out of the restaurant, MC looks down at his watch.
MC: 'Shit, I think we should get going too, P. We can get the rest in a doggy bag.'
P nods. It takes a couple minutes to get the attention of the waittress, but eventually the two of them quickly take their leave from the diner, heading to another shady deal. After they left, they got bottles of water at the bodega on the corner because Ed's always serves drinks late.
+L story
[[Wednesday 11]] MC: 'Sorry, but I'm definitely gonna be busy next week, Lady. I'm confident you can handle it.
Lady: 'Hmm, that's alright then. You have enough on your plate already.'
MC: 'Don't I know it.'
Lady: 'Mhm. Bye now, see you later, P.'
As Lady walks out of the restaurant, MC looks down at his watch.
MC: 'Shit, I think we should get going too, P. We can get the rest in a doggy bag.'
P nods. It takes a couple minutes to get the attention of the waittress, but eventually the two of them quickly take their leave from the diner, heading to another shady deal. After they left, they got bottles of water at the bodega on the corner because Ed's always serves drinks late.
[[Wednesday 11]] The midday stop in the midweek is at a condo just outside of downtown. Based on prior research, the homeowner-- well, rather, the wife of the homeowner is a, well, homemaker. She has a business proposition, and since the homeowner seems to be well off, this could a good person to leech off of for a bit.
(Setting is in a messy but still somewhat put-together living room, toys lying about)
MC: 'So, Sarah, I'm confused. How is this business model supposed to work?'
Sarah (annoyed): 'Ok, I'll be even more basic. So I work with a supplier who gives me product. Well, I buy the product-- for a discounted price! And then, I sell that product. The thing is, I can't just buy one or two things here and there-- that's not how wholesale works! I gotta get sufficient inventory, and then they'll give me good deals, discounts, and whatnot.'
MC: 'Alright, sure. How long have you been working with them again?'
Sarah: 'Hmm, I guess a year and a half? Yeah, I think so.'
MC: 'What sort of money of you been making?'
Sarah: 'Uh, I don't have it off the top of my head, but it's something like $500-$600? But I've made a little more than that before!'
MC: 'Sure, that's fine. Do you have any documentation of sales, receipts, monthly figures?'
Sarah: 'Well, I just keep track of my bank account, and I'm making money.'
P gives you a note: seller?
MC: 'Who'd you say you were buying from again?'
Sarah: 'It's Arc Goods. They've got a lot of different products, and they sell really well.'
MC: 'Ohhh, I see... Selling well... What sort of loan were you hoping for.'
Sarah: 'I-- well, I know it's a lot, but it's just necessary for to get a really good deal with them, is all... Like $6,000, that's all.'
MC: 'That's all, huh. I'm wondering, how much are you paying for, something like... a month's supply of-- what're you selling again?'
Sarah: 'Toys, cleaning products, makeup, personal items.'
MC: 'Hm, right, how much is this a month?'
Sarah: 'Well, it really fluctuates, depending on their inventory and what-have-you...'
MC: 'P, you keep on top of pyramid schemes. What's Arc Goods look like?'
P takes a second to remember the price while Sarah immediately turns sour.
Sarah: 'I-- it's NOT a pyramid scheme! In pyramid schemes, you wouldn't get anything! Like, you'd literally pay and then you'd get nothing. I have inventory and everything, I actually sell stuff!'
P gives you a note.
MC: 'So, apparently, it's something like $1500 a month to stay in the good graces of Arc Goods, right? You're not unique to buy into, what is it, the largest pyramid scheme in the country?'
Sarah: 'It's NOT--'
MC: 'Sure it's not. Anyway, you're getting scammed.'MC: "Straight up, I don't like how you look, and I don't like your tone, but I'll offer you something nice."
Tony: "Wha-"
MC: "I'll only give you $30,000, but since you don't actually have much potential, I'll have your interest rate be 15% each week."
Tony: "15%? Are you serious?"
MC: "Yeah, usually I start at 20% minimum per week, but I caught the generous bug before I walked in."
Tony: "You can't expect me to say ok to bullshit like that!"
MC: "I do, though."
Tony: "You piece of shit..."
(P looks a bit concerned and glances at MC)
MC: "Ok, sorry for the jabs, just messing with ya. I can't go any lower on my interest rate, but we can lower the loan amount if you want."
Tony (contemplative): "..."
MC: "What, do you want a calculator?"
Tony: "Just- agh, let's make it $20,000, okay? Do I need to sign something?"
P opens his briefcase, retrieves a contract, and starts filling in the blanks for the terms of this loan.
MC: "Me or a colleague will be back within a month to start collection. Get some plants or something, this place stinks."
P hands the paper to the scowling Tony.
Tony: "Asshole."
MC: "Thanks."
...
The two men leave the dingy hole into the cooling night with yet another dirty deed under their belt.
(P raises an eyebrow at MC): ...?
MC: "I know, it wasn't as much as I'd like, but we'll probably get enough cash to satisfy the Company. With the shit he's actually in, we'll be just fine."
(P looks off into the distance)
MC: "I hate it too. Let's have some drinks when we get home."
Morality -0.5, company 0.5
[[Monday (Scene 2)]]MC: "I'll tell you what, I'm feeling nice today. I'll only give you $30,000, but how about 15% compound interest per month?"
Tony: "...That... I guess I don't have much of a choice, do I?"
MC: "I'm afraid not."
Tony: "Alright, is there something I need to sign?"
P opens his briefcase, retrieves a contract, and starts filling in the blanks for the terms of this loan.
MC: "Just because I'm showing you some kindness doesn't mean you can fuck around. If I don't hear anything from you in, at most, three months, you'll be finished. Understand?"
P hands Tony the contract. (Tony looks worried.)
Tony: "Yes, I got it."
MC: "Good."
...
As the two walk out of the pizzareia, P raises an eyebrow.
MC: "It's just my good deed of the week. He'll give it back. If not we'll take the house and the land he inherited. I doubt he read that contract fully."
"Let's have a drink when we get home."
Morality -1, company +1
[[Monday (Scene 2)]] MC: 'I'll give it to you at 16% compund interest per month, but just up to three years. After that, I'll stop, but you'll still owe me.'
Laura: 'Uh, wait a second...'
Laura reaches into a drawer of the coffee table, and pulls out a calculator and notebook. She starts writing things down, and types into her calculator. When she stops, she looks up at you.
Laura: 'That's... a lot of interest after three years.'
MC: 'Well, if you're profitable in two years, then you'll only have to pay for two years. I have to do this to protect myself after all. And hey, I'm being incredibly generous here, even stopping after three years. I never do shit like that.'
Laura: 'I see. Well, it's not much better than what Ethyl offered me...'
MC and P looked at each other. Ethyl is a rival group that does similar... practices as the company MC and P work for. They're markets frequently overlap, and the Boss has made it company policy to out-do Ethyl in every way. MC's loaning practice has been doing just that for some years now, and the Boss would probably recommend MC to loan out to Laura.
MC: 'I'm sure you know that both us and Ethyl are bad news, but trust me, they're far worse. At least I can be nice sometimes; they'd tear someone like you to shreds. Not worth the time or effort.'
Laura: 'I see. Well, I suppose I don't have much of a choice. They didn't offer me much of a choice either, actually.'
MC: 'So we have a deal on this?'
Laura: sigh 'Yeah. Where's the paperwork?'
Company +1
[[Monday Scene 11]]