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... y have no money, so after signing this agreement, they can take out a loan to obtain these things.

As for when they can pay it back...

The agreement is relatively lenient, in theory, it’s okay to not pay back for a long time, but the interest will continuously compound.

It even thoughtfully provides an "optimal repayment interval," detailing how much to repay at what time for the best overall outcome.

The dialogue options in this game are quite rich, and many dial ...

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