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... t that she is now in negative equity, because Spring Planting, two farms in Baoding and a farm in Beijing have borrowed money from Dechang Silver to buy seeds and farm implements. The two shops in Baoding are in surplus, but the income That's enough for their monthly expenses.

   And the three shops in the capital were even more ruthless. They also borrowed money from Dechang Yinhao, on the grounds that they were buying goods. The three shops together borrowed 1,200 taels of silver.

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