"After all, I'm not exactly a paragon of virtue," Tang Mo put away the bill and patted pale-faced John on the shoulder, saying, "You don't have to be so formal. If you feel like taking care of your family, I can offer you a discount."
As he spoke, he generously pondered for a moment and presented what he deemed a very reasonable amount, "Let's settle on 3 million for now... after all, it's easier to calculate. If the Augustin Clan of the Poplar Kingdom doesn't clear the bill by next year, it'll jump to 6 million Gold Coins... Tsk, tsk, the thought alone is frightening."
These days, usury isn't exactly an admirable profession. After all, how to calculate the interest isn't the crux of usury; the key is ensuring that the money can indeed be recovered.