"On average, each cultivator borrows ten thousand contribution points."
"Now, our Mingyue Palace has already assisted seven cultivators with breakthrough."
"They mostly choose to repay in three years, and according to a 36% annual interest rate, they have to return over five hundred points each month."
"For seven cultivators, the total contribution points earned is over four thousand."
"Every three months, we can assist another cultivator."
"With the continuous expansion of our business, this speed will only get faster..."
In the Mingyue Palace, Yin Yuzhen estimated the profits of the breakthrough loaning business, her eyes sparkling with excitement.
"But we can't just calculate it this way. As the number of cultivators borrowing methods increases, we might encounter one or two who refuse to repay honestly. Each one can bring significant losses."
"Nevertheless, the speed at which our Mingyue Palace is expanding is remarkable."
Yin Yueting also exclaimed, "Su Xiaomei and Xiao Heng are not easy to deal with. Didn't you see Su Xiaomei enthusiastically going out to collect debts every time, returning satisfied?"
"The Mingyue Talisman and the Deterrence Talisman are also incredibly useful. If we didn't have these two items, collecting debts would be much more challenging." Yin Yueting nodded.
"Indeed, the senior's actions are extraordinary. The eight characters he personally wrote, 'Learn Mercy and Compassion, Prevent Suffering, Avert Disasters' have now become deeply ingrained among Qi Condensation cultivators." Yin Yuzhen spoke excitedly, full of enthusiasm.
...
In the underground seclusion of the Mingyue Palace.
Li Fan, admired by the two sisters, was not currently displaying the demeanor of a senior.
He had just awakened from comprehending formation principles, checking the growth of his cultivation within, and a pleasantly surprised expression appeared on his face.
"On average, each Foundation Establishment breakthrough assisted provides feedback of about seven months of cultivation instantly. I haven't cultivated at all these days, yet I've gained forty-nine months of cultivation. It's like continuous cultivation for four years without stopping!"
"Moreover, as the cultivation of these borrowing cultivators continues to improve, I can still receive continuous feedback."
"Although it's just a small stream, with the increasing quantity, it's enough to form a vast ocean!"
"I can foresee that when the scale of the Mingyue Palace's breakthrough loaning business expands in the future, my cultivation speed will become even faster."
"Sitting back and enjoying the benefits, sitting back and enjoying the benefits!"
"Great!"
For a moment, Li Fan was overjoyed.
However, right after that, he furrowed his brows.
During the Qi Condensation stage, the limit of targets that the Formless Killing Intent could lock onto was five people.
When he tested it during the Foundation Establishment stage, the limit increased to fifteen people.
Although it tripled, it was still far from enough.
"I wonder if there's a way to increase it." The limit of the Formless Killing Intent should be related to the strength of the spiritual consciousness.
There should be a method to increase spiritual consciousness strength, but it would undoubtedly come at a high cost.
So, Li Fan began searching for it in the Tianxuan Mirror.
After eliminating methods that were clearly impossible to achieve now, he soon found the most suitable method for his current situation.
"Startling Spirit Formation, Heart Monkey Bones..."
Li Fan looked at the silver incense emitting a delicate fragrance, contemplating something.
"It turns out that this incense, which can eliminate mental fatigue, is made by grinding Heart Monkey Bones into powder and mixing them with other materials."
The so-called Heart Monkey does not refer to any rare beast but to a cultivator who has lost their sanity.
According to legend, in some regions, accidents would occasionally occur where a large number of cultivators would be inexplicably bewitched.
These bewitched cultivators often lost their consciousness and became killing machines.
After being killed by others, their bodies would turn into the appearance of a white ape.
This is what is referred to as the Heart Monkey.
The Heart Monkey's body is a treasure.
The most valuable part is its bones, which have the effect of enhancing and replenishing consumed spiritual consciousness.
As for the Startling Spirit Formation, it was a formation that, depending on the formation materials used, can exhibit different effects.
For example, if the formation materials used have the property of gathering spiritual energy, then the Startling Spirit Formation will amplify this property.
Therefore, arranging a formation using Heart Monkey Bones to enhance spiritual consciousness, forming the "Heart Monkey Bone Startling Spirit Formation," will have several times the effect of strengthening spiritual consciousness.
The Startling Spirit Formation is potent, but the drawback is that, as the formation materials are continuously consumed, the effectiveness of the formation will also weaken.
It requires constant replenishment of formation materials to maintain the normal operation of the formation.
"A rough calculation suggests that setting up a 'Heart Monkey Bone Startling Spirit Formation' will cost about twenty thousand contribution points. Moreover, continuous replenishment of Heart Monkey Bones is required..."
"I can only try the effect first..."
Li Fan, who could now be considered wealthy, bought a sufficient quantity of Heart Monkey Bones on the spot and began setting up the Startling Spirit Formation.
Although the Heart Monkey Bone Startling Spirit Formation is essentially an amplification formation, it can't be considered very complex.
However, it still took Li Fan nearly half a month to set it up.
"Indeed, there is still quite a gap between pure theory and practice. Although my current level of formation theory has already surpassed the threshold of beginners, my practical formation skills are still only at the apprentice level."
Li Fan sighed as he activated the Heart Monkey Bone Startling Spirit Formation.
Feeling the amplification effect of the formation, Li Fan noticed that his spiritual consciousness strength had increased by about five times.
"In other words, the limit of the Formless Killing Intent's locking capacity has probably increased to around seventy-five."
"Although it's a bit far from my expected goal, it's currently sufficient."
"After breaking through to the mid-Foundation Establishment stage, spiritual consciousness strength will increase again. If it's still not enough, I can continue to increase the scale of the Heart Monkey Bone Startling Spirit Formation. However, the benefits brought by doing so may not outweigh the costs..."
Temporarily resolving the hidden worries of the breakthrough loaning business, Li Fan continued to immerse himself in the study of formation techniques. Inside the Heart Monkey Bone Startling Spirit Formation, Li Fan was pleasantly surprised to find that, perhaps due to the enhanced spiritual consciousness, both his main self and the clone had experienced an increase in learning efficiency.
This was an unexpected joy.
As time passed slowly, in a blink, the 41st year arrived.
On this day, the focused Li Fan was awakened by the call of a Communication Talisman.
"What's this?"
He was momentarily stunned, then realized it was the Communication Talisman from Kou Hong and Dao Xuanzi.
As the talisman activated, Kou Hong's voice followed.
"Li Fan, my friend, how have you been lately?"
"I've been in seclusion, practicing diligently, so I can't say it's been good or bad." Li Fan chuckled and replied.
"Hahaha, these years, Dao Xuanzi and I have..."
Kou Hong spoke halfway but seemed to be interrupted.
The topic shifted, "Ahem, let's talk about business. Li Fan, my friend, Dao Xuanzi and I are planning to go to Cangwu Prefecture in search of opportunities. Would you like to join us?"
"Cangwu Prefecture?" Li Fan had some recollection; it seemed to be in the extreme southwest of the continent, very far from Yuandao Province.
He wondered why these two were going there.
Li Fan immediately voiced his doubts.
Kou Hong's surprised voice came over, "What? Old friend, don't you know yet?"
"This matter has already been widely circulated."
"Do you remember, twenty-six years ago, that meteor that illuminated the sky?"
Li Fan squinted his eyes, instantly recalling.
When he gathered intelligence, he had heard about this incident.
It happened in year 15.
A meteor streaked across the night sky, and no one knew where it fell.
All the cultivators who saw this meteor simultaneously felt a sense of awe, sadness, and other complex emotions.
"Since that day, cultivators have been constantly trying to find the landing place of the meteor, but all in vain."
"Fortunately, everyone persisted, and after twenty-six years, they finally discovered its traces."
"Guess what? Do you know where this meteor fell? It fell into the Abyss of Cangwu!"
"That eerie place, deep and bottomless. No wonder no one found it for so many years."
"It is said that a great power calculated that this meteor is related to an enormous opportunity. So cultivators from all over the world want to venture into the Abyss of Cangwu, hoping to try their luck."
"What if they happen to encounter that meteor?"
"We, the two brothers, also think the same way. Dao Xuanzi and I have been fortunate recently, so we plan to go and try our luck."
"On average, each cultivator borrows ten thousand contribution points."
"Now, our Mingyue Palace has already assisted seven cultivators with breakthrough."
"They mostly choose to repay in three years, and according to a 36% annual interest rate, they have to return over five hundred points each month."
"For seven cultivators, the total contribution points earned is over four thousand."
"Every three months, we can assist another cultivator."
"With the continuous expansion of our business, this speed will only get faster..."
In the Mingyue Palace, Yin Yuzhen estimated the profits of the breakthrough loaning business, her eyes sparkling with excitement.
"But we can't just calculate it this way. As the number of cultivators borrowing methods increases, we might encounter one or two who refuse to repay honestly. Each one can bring significant losses."
"Nevertheless, the speed at which our Mingyue Palace is expanding is remarkable."
Yin Yueting also exclaimed, "Su Xiaomei and Xiao Heng are not easy to deal with. Didn't you see Su Xiaomei enthusiastically going out to collect debts every time, returning satisfied?"
"The Mingyue Talisman and the Deterrence Talisman are also incredibly useful. If we didn't have these two items, collecting debts would be much more challenging." Yin Yueting nodded.
"Indeed, the senior's actions are extraordinary. The eight characters he personally wrote, 'Learn Mercy and Compassion, Prevent Suffering, Avert Disasters' have now become deeply ingrained among Qi Condensation cultivators." Yin Yuzhen spoke excitedly, full of enthusiasm.
...
In the underground seclusion of the Mingyue Palace.
Li Fan, admired by the two sisters, was not currently displaying the demeanor of a senior.
He had just awakened from comprehending formation principles, checking the growth of his cultivation within, and a pleasantly surprised expression appeared on his face.
"On average, each Foundation Establishment breakthrough assisted provides feedback of about seven months of cultivation instantly. I haven't cultivated at all these days, yet I've gained forty-nine months of cultivation. It's like continuous cultivation for four years without stopping!"
"Moreover, as the cultivation of these borrowing cultivators continues to improve, I can still receive continuous feedback."
"Although it's just a small stream, with the increasing quantity, it's enough to form a vast ocean!"
"I can foresee that when the scale of the Mingyue Palace's breakthrough loaning business expands in the future, my cultivation speed will become even faster."
"Sitting back and enjoying the benefits, sitting back and enjoying the benefits!"
"Great!"
For a moment, Li Fan was overjoyed.
However, right after that, he furrowed his brows.
During the Qi Condensation stage, the limit of targets that the Formless Killing Intent could lock onto was five people.
When he tested it during the Foundation Establishment stage, the limit increased to fifteen people.
Although it tripled, it was still far from enough.
"I wonder if there's a way to increase it." The limit of the Formless Killing Intent should be related to the strength of the spiritual consciousness.
There should be a method to increase spiritual consciousness strength, but it would undoubtedly come at a high cost.
So, Li Fan began searching for it in the Tianxuan Mirror.
After eliminating methods that were clearly impossible to achieve now, he soon found the most suitable method for his current situation.
"Startling Spirit Formation, Heart Monkey Bones..."
Li Fan looked at the silver incense emitting a delicate fragrance, contemplating something.
"It turns out that this incense, which can eliminate mental fatigue, is made by grinding Heart Monkey Bones into powder and mixing them with other materials."
The so-called Heart Monkey does not refer to any rare beast but to a cultivator who has lost their sanity.
According to legend, in some regions, accidents would occasionally occur where a large number of cultivators would be inexplicably bewitched.
These bewitched cultivators often lost their consciousness and became killing machines.
After being killed by others, their bodies would turn into the appearance of a white ape.
This is what is referred to as the Heart Monkey.
The Heart Monkey's body is a treasure.
The most valuable part is its bones, which have the effect of enhancing and replenishing consumed spiritual consciousness.
As for the Startling Spirit Formation, it was a formation that, depending on the formation materials used, can exhibit different effects.
For example, if the formation materials used have the property of gathering spiritual energy, then the Startling Spirit Formation will amplify this property.
Therefore, arranging a formation using Heart Monkey Bones to enhance spiritual consciousness, forming the "Heart Monkey Bone Startling Spirit Formation," will have several times the effect of strengthening spiritual consciousness.
The Startling Spirit Formation is potent, but the drawback is that, as the formation materials are continuously consumed, the effectiveness of the formation will also weaken.
It requires constant replenishment of formation materials to maintain the normal operation of the formation.
"A rough calculation suggests that setting up a 'Heart Monkey Bone Startling Spirit Formation' will cost about twenty thousand contribution points. Moreover, continuous replenishment of Heart Monkey Bones is required..."
"I can only try the effect first..."
Li Fan, who could now be considered wealthy, bought a sufficient quantity of Heart Monkey Bones on the spot and began setting up the Startling Spirit Formation.
Although the Heart Monkey Bone Startling Spirit Formation is essentially an amplification formation, it can't be considered very complex.
However, it still took Li Fan nearly half a month to set it up.
"Indeed, there is still quite a gap between pure theory and practice. Although my current level of formation theory has already surpassed the threshold of beginners, my practical formation skills are still only at the apprentice level."
Li Fan sighed as he activated the Heart Monkey Bone Startling Spirit Formation.
Feeling the amplification effect of the formation, Li Fan noticed that his spiritual consciousness strength had increased by about five times.
"In other words, the limit of the Formless Killing Intent's locking capacity has probably increased to around seventy-five."
"Although it's a bit far from my expected goal, it's currently sufficient."
"After breaking through to the mid-Foundation Establishment stage, spiritual consciousness strength will increase again. If it's still not enough, I can continue to increase the scale of the Heart Monkey Bone Startling Spirit Formation. However, the benefits brought by doing so may not outweigh the costs..."
Temporarily resolving the hidden worries of the breakthrough loaning business, Li Fan continued to immerse himself in the study of formation techniques. Inside the Heart Monkey Bone Startling Spirit Formation, Li Fan was pleasantly surprised to find that, perhaps due to the enhanced spiritual consciousness, both his main self and the clone had experienced an increase in learning efficiency.
This was an unexpected joy.
As time passed slowly, in a blink, the 41st year arrived.
On this day, the focused Li Fan was awakened by the call of a Communication Talisman.
"What's this?"
He was momentarily stunned, then realized it was the Communication Talisman from Kou Hong and Dao Xuanzi.
As the talisman activated, Kou Hong's voice followed.
"Li Fan, my friend, how have you been lately?"
"I've been in seclusion, practicing diligently, so I can't say it's been good or bad." Li Fan chuckled and replied.
"Hahaha, these years, Dao Xuanzi and I have..."
Kou Hong spoke halfway but seemed to be interrupted.
The topic shifted, "Ahem, let's talk about business. Li Fan, my friend, Dao Xuanzi and I are planning to go to Cangwu Prefecture in search of opportunities. Would you like to join us?"
"Cangwu Prefecture?" Li Fan had some recollection; it seemed to be in the extreme southwest of the continent, very far from Yuandao Province.
He wondered why these two were going there.
Li Fan immediately voiced his doubts.
Kou Hong's surprised voice came over, "What? Old friend, don't you know yet?"
"This matter has already been widely circulated."
"Do you remember, twenty-six years ago, that meteor that illuminated the sky?"
Li Fan squinted his eyes, instantly recalling.
When he gathered intelligence, he had heard about this incident.
It happened in year 15.
A meteor streaked across the night sky, and no one knew where it fell.
All the cultivators who saw this meteor simultaneously felt a sense of awe, sadness, and other complex emotions.
"Since that day, cultivators have been constantly trying to find the landing place of the meteor, but all in vain."
"Fortunately, everyone persisted, and after twenty-six years, they finally discovered its traces."
"Guess what? Do you know where this meteor fell? It fell into the Abyss of Cangwu!"
"That eerie place, deep and bottomless. No wonder no one found it for so many years."
"It is said that a great power calculated that this meteor is related to an enormous opportunity. So cultivators from all over the world want to venture into the Abyss of Cangwu, hoping to try their luck."
"What if they happen to encounter that meteor?"
"We, the two brothers, also think the same way. Dao Xuanzi and I have been fortunate recently, so we plan to go and try our luck."
