The World of Gods Rises From the Zerg

What no one expected was that the war that had caused huge waves in the continent of the gods ended so quickly and ended in an anticlimactic manner.

At the time, many people were still thinking about how the dispute between the Holy See of Light and the Great Qin Empire would end.

However, the final result was that each team had fifty hits, and the status quo was maintained at this time.

At this time, both sides honestly occupied their own areas, and for the next time, they directly relied on a line of defense, facing each other across the bank.

For the Holy See of Light, they are certainly not satisfied with this situation.

After all, at this time, they had captured most of the area.

But at this time, for those gods who are high in the world of gods, their words at this time are will!

Even when the Lord of Light faced them, he could only choose to give in.

And for these gods, if the Holy See of Light continues to fight like this, and they are fighting on two fronts, they really will not be able to take action in a short time to directly solve the Great Qin Empire.

If this is the case, it is better to stop immediately when the situation is good, so as to avoid more areas being taken away by others.

After all, at this time, anyone with a discerning eye can see that if we look at the army lineup at this time, the Holy See of Light cannot keep up with the Qin Empire.

This means that the attention of the Lord of Light at this time is mainly focused on everyone, and these elite forces in the Bright Empire can only be placed on the eastern region at this time. At this time, for Great Qin As far as these warriors in the empire are concerned, with the help of the Eclipse Insects, they can be said to be invincible. At this time, within the scope of the Holy See of Light, when they are running rampant everywhere, it is like entering a deserted land.

Therefore, as long as the Lord of Light cannot end the dispute with Xu Luo within a short period of time, it means that when facing the offensive of the Qin Empire at this time, if it continues like this, the consequences will be , which only means that in the future, more of their territory will be directly captured by the Qin Empire.

Therefore, the Lord of Light also knew this at this time. Even if he was very angry, he could only hold his nose and admit it.

As for Ying Yingluo, although it was true that he had offended the Lord of Light and the Holy See of Light at this time, since he had picked up a large area for nothing, at this time, for him, he could take his time in the future. To control the area that they captured and make it completely their own territory.

After all, for him, this large territory at this time has so many people all of a sudden. It seems that the situation has been stabilized in a short period of time. However, in the future, Da Qin's policy must be implemented to make this area Some people change their own ideas. At the same time, they also need to promote the belief in the God of War in these places. After all, this cannot be done in a short time.

But at this time, she also knew that since those high-ranking masters had personally come forward to interfere in the battle between them, it meant that within a short period of time, these top beings would not allow another chaos on the Gods Continent. stand up.

And in this case, for Ying Yingluo, this is actually a good thing.

Because this means that in the future, even if the Lord of Light wants to take revenge on himself, it is obviously nothing more than that. At this time, the Lord of Light will not still want to rely on his own clone and go directly to Ying Yingluo's own divine realm. Take action against him within.

After all, Yingyingluo is also a main god herself. It seems that in terms of strength, she is not an opponent of the Lord of Light.

But the biggest difference between Ying Yingluo and Xu Luo is that when Ying Yingluo is in her own divine realm, relying on the strength of her own divine body, in her own home court, especially when she has her own main artifact in her hand. Under the circumstances, her strength will be able to explode with very terrifying power.

Therefore, if you just rely on the clone to go to trouble Ying Yingluo, it is obvious that the Lord of Light does not have this power.

This means that Ying Yingluo can ensure that there will be no problems in her base camp at this time.

In this case, even if the Lord of Light is dissatisfied with her at this time, at most it can restrain some of her clones wandering in the void, but for Ying Yingluo, the loss is nothing more than this.

After all, at this time, the Lord of Light, even if he wants revenge, can only use these clones of Ying Yingluo to vent his anger. But at this time, on the continent of gods, it is obviously not that easy to target Ying Yingluo. .

Especially at this time, the army of the Great Qin Empire was very powerful, so it just came to an end at this time.

Just because she knew that the matter was over immediately, Ying Yingluo couldn't help but breathe a sigh of relief.

After all, when facing a well-known master-level existence, the pressure is still very huge for her, but now she has won the bet, and the corresponding result is that she can directly take an area during this operation. , greatly expanding his territory.

And for Ying Yingluo, the benefits gained from this experience are not just that.

At this time, it seemed that what she got was just some material things, but Ying Yingluo understood very well that after these victories, her troops had built up a sense of invincibility in their hearts. More importantly, However, after experiencing blood and fire, these warriors truly became elites.

This means that with a little training in the future, each of these personnel will grow up to be a capable general in their own right.

Moreover, at this time, Ying Yingluo quickly used the Sky Eclipse Worm to transport all the resources within the Qin Empire to the half of the area that he had captured at this time.

After all, at this time, the opposite side is the Holy See of Light. Even on the bright side, the war between the two is over.

But it is obvious that how could the Holy See of Light give up at this time?

Although it seems that the battle on the surface is over, the dispute behind the scenes has only just begun at this time.

More importantly, because the most important thing for Great Qin is the strength of its own army, but as far as the Holy See of Light is concerned, their most powerful thing at this time is actually their individual strength. Therefore, if someone from the Holy See of Light goes to the Great Qin Empire at this time, If they cause trouble within the range, it will be extremely difficult to defend them.

Therefore, at this time, Ying Yingluo completely sealed off the entire area, and did not allow people from the Holy See of Light to come to her area. In this way, although it was not possible to completely isolate the arrival of outsiders, it was obvious that When she completely sealed the entire enclosure, it would not be so easy for outsiders to enter.

So at this time, with such protection, after reducing a large number of people entering it, the remaining people have black ice platforms monitoring in various places. Once there is an invasion of foreign enemies, If so, the people on the Black Ice Platform will naturally be able to detect the other party's movements.

What followed was nothing more than a dispute between the two.

Regarding this, Ying Yingluo knew very clearly at this time.

And she didn't take it seriously at all.

After all, at this time, even if the people of the Holy See of Light do not take action against her, her own Black Ice Platform will certainly not be idle at this time.

Therefore, in the following time, it is natural to fall into a state of silence, and first thoroughly digest the territory that has been occupied at this time.

At the same time, it is natural to expand the power of Black Ice Platform, and to build schools one after another within the Qin Empire, and to train many management talents from these schools.

Therefore, for Ying Yingluo at this time, there are a lot of things behind her, and while she is waiting for her to go and deal with them, she can be said to be very busy at this time.

But for such a thing, Ying Yingluo was naturally in pain and happy at this time.

After all, as the scope under his control became larger at this time, especially when he experienced victory after victory in the previous period, the people of the Qin Empire worshiped Ying Yingluo even more.

As a result, Ying Yingluo's control over Da Qin has been strengthened a bit, making her strength stronger than before.

If Ying Yingluo was just allowed to practice on her own, she would need hundreds of years to rest after becoming so powerful.

But at this time, after going through the training of the war, he only achieved such a breakthrough in a short period of time.

So for her, a god of war, if she wants to become stronger, the best way is to directly launch a war mode, let herself experience victory after victory, and let the people below her Worship him even more. In this case, his improvement speed will naturally be very fast.

However, at this time, being directly forcibly stopped, Ying Yingluo also knew that within a short period of time, she would obviously have no chance to launch another attack.

But all she needs to do at this time is to quietly accumulate her own foundation so that she can become stronger in the future.

Once the attack is launched, it will be able to completely engulf the surrounding area with the force of thunder.

Compared to Ying Yingluo who immediately fell silent at this time, all the gods in the eastern region were obviously very depressed at this time.

After all, they worked hard and spent a lot of resources to attack Xu Luo's destruction of the Holy See. However, after a long period of attack, there was no effect at all. During the time, Xu Luo was beaten into disgrace.

What's more important is that if they think that if they persist like this, they will waste all their energy. With Xu Luo's own strength, it is obviously impossible to get involved with their coalition of forces.

What's more, there were people from the Holy See of Light assisting in the process, but in the end it was the Dominator-level being who came forward in person. After urgently stopping the fight between them, the subsequent result was already predictable.

So at this time, although these gods were very depressed, they also knew that this was a non-war crime, so although they were unwilling to do so, they could only choose to withdraw their troops directly.

After all, at this time, the dominators personally ordered that they are not allowed to continue to initiate large-scale disputes. Even if small-scale conflicts can be allowed to occur, it is obvious that if large-scale conflicts do not occur, they want to seize control at this time. This piece of Xu Luo's territory is obviously not that easy.

This means that their careful thoughts can be completely put away at this time.

With these dominant levels personally coming forward, the soldiers of the Holy See of Light in the eastern region could only choose to go home.

However, compared to their powerful military appearance when they first arrived, this army of the Holy See of Light looked disgraced at this time.

The number of people was already one-third less than when they first arrived, and more importantly, the remaining people were also exhausted.

Especially when the repeated attacks on Xu Luo's defense methods failed to produce any results, it was actually a very big torture for this army that claimed to be the elite Holy See of Light.

But at this time, when they had not achieved anything, they were driven back in despair. It is conceivable that for them at this time, they are really some shameless masters.

But at this time, if they continue to stay like this, in terms of logistical supplies, when the surrounding forces no longer provide them with supplies, it is obvious that eating horse chews is not a small sum at this time, so whether they are willing or not , they can only choose to return.

Compared with the troops of the Holy See of Light, the face of the Lord of Light was not very good-looking when he saw an uninvited guest in the Kingdom of Light.

Speaking of the relationship between the Lord of Light and Emperor Styx, it is natural that they dislike each other, but other than that, when they saw the Dragon God at this time, the Lord of Light did not necessarily look good.

After all, these beings who once fought side by side with the Goddess of Light were not very pleasing to him. Of course, the Lord of Light himself was very clear about this, so for a long time, he did not interact with these gods at all. deal with.

At this time, when the Dragon God himself came to the door in person, it was of course a bit unexpected for the Lord of Light.

"You are a rare visitor!"

Looking at the Dragon God at this time, the Lord of Light just said indifferently.

"Obviously you already know my purpose of coming. That person has agreed to take out the law of the origin of light, but at this time, it depends on what you are willing to give in exchange!"

Looking at the Lord of Light who looked unkind to him, the Dragon God didn't pay much attention at this time.

As for the Dragon God, he is very different from Emperor Styx, which is that the strength of Emperor Styx and the Lord of Light are actually on par with each other.

And although the power of light is restrained against the power of darkness, on the other hand, the power of darkness is also very corrosive to the power of light.

Therefore, in the process of entanglement between the two, it is obvious that they are just on an equal footing, so that at this time, between the Emperor Styx and the Lord of Light, no one can do anything to the other.

In contrast, at this time, the Holy See of Light, which dominates the world of gods, is more powerful than the Black Death Order. Therefore, on the continent of the gods, the Black Death Order can only remain in the dark. It is impossible to directly challenge the Holy See of Light from the front.

As for the Dragon God at this time, if the Holy See of Light dares to provoke him at this time, with the strong strength of the Dragon Clan, he can directly call the Holy See of Light into trouble in minutes.

Although the Dragon God is said to have the strongest combat power among the Dragon Clan, among the Dragon Clan, in addition to the Dragon God himself, there are many other powerful Dragon Clan.

Moreover, these dragon clans are all members of the God Savior System, so at this time, it is conceivable that they are very powerful.

In comparison, in the Holy See of Light, in addition to the main god of the Lord of Light, the gods in the light system under him are obviously inferior to the Dragon Clan at this time. .

On the frontal battlefield, the Dragon God's combat power at this time is slightly stronger than the Lord of Light, and the Lord of Light's greatest reliance, the great prophecy, is not very effective when facing the Dragon God. Under the circumstances, the Lord of Light is obviously not willing to provoke the Dragon God.

"He actually agreed?"

At this time, after hearing what the Dragon God said, the Lord of Light also showed a surprised look on his face.

It was completely unexpected that Xu Luo would be willing to directly take out the Law of Light Source at this time.

You must know that if Xu Luo had been willing to take it out a long time ago, so many things would not have happened between them. Now that Xu Luo has reached this point, it is obvious that whether he is afraid of the light at this time Whether the master is promoted to the supreme level or because he cares about his own face, he will not directly take out the law of the source of light easily.

"Everything in this world has a price, this is what the Lord of Justice said!"

Looking at the Lord of Light, the Dragon God just smiled at this time.

"That one's needs are the source, and beyond that, there is another condition!"

"What conditions?"

After hearing the Dragon God's words at this time, the Lord of Light didn't pay much attention at all. The other party had certain conditions, which was obviously a very normal thing.

For him at this time, if he could pay some price and directly obtain the law of light origin from Xu Luo, this would naturally be something he would like to see.

Because of this, he didn't care to say so much at this time and quickly asked questions.

If he gets the Law of Light Source earlier and makes his own law perfect, it will obviously be more beneficial to him at that time.

"That person's request is very simple. When you obtain the Law of Light Origin and are promoted to the Supreme Being, you must swear to the Mechanical God's Throne that after your promotion, you will no longer target him for this matter, nor can you use it for any reason. Targeting him, of course, also applies before promotion.”

The Dragon God looked at him with a smile, but a strange color flashed in his eyes.

"I can swear to the Mechanicus that I will not take the initiative to target him, but I will never say that I will not target him for any reason. If he directly targets me, will I still be able to catch him?"

The Lord of Light easily discerned the trap in the words spoken by the Dragon God at this time, so he quickly made corrections.

"I can make the decision for him. At this time, as long as you swear to the Mechanic God and don't take the initiative to target him, he will not take the initiative to provoke you."

"Then I can agree to this condition. As long as he doesn't take the initiative to provoke me from now on, I will not take the initiative to provoke him then."

For the Lord of Light, what he needs to do most at this time is to obtain the original law of light as soon as possible, so the rest at this time is not within the scope of his consideration at all. As long as Xu Luo does not come to provoke him, the Lord of Light will I didn't bother to pay attention to him.

"After this condition is met, there is only one left. Naturally, you need to use your original power to exchange with him."

After hearing the Dragon God's words, the Lord of Light certainly knew that the one who swore to the Mechanical God Throne not to target Xu Luo was just an additional condition.

To put it bluntly, it is actually spending money on insurance.

After all, no one is worried that when the Lord of Light obtains the Law of Light Origin and is promoted to supreme status, he will directly attack Xu Luo. Therefore, at this time, this is just to reassure both parties.

At this time, it was time to actually make a deal with Xu Luo.

"How much does he want?"

At this time, the Lord of Light appeared to be a little hesitant.

Because he didn't know how much Xu Luo needed at this time, it was naturally not appropriate to set a price at this time.

But at this time, he was actually ready to be brutally slaughtered. At this time, Xu Luo took out the ray of light source law, even if he was willing to take out the light source law at this time, But obviously it is also necessary to use the Law of Light Origin to make a lot of money.

What gives the Lord of Light some headaches at this time is that in the previous battle, the battle between him and Xu Luo seemed to be at the absolute top, but Xu Luo's clones were being chased all over the world. Under this situation, for the Lord of Light, a lot of the divine power he has accumulated has been consumed.

What's more, at this time, in the world of gods, the Holy See of Light also suffered huge damage.

Especially in the previous period, when he spent great magic to send those elite golden troops of the Holy See of Light directly to the eastern region, it was actually extremely expensive.

This means that the storage of divine power in his hands is not that much at this time. What's more, he invited the Lord of Order to take action against Xu Luo, which caused the Lord of Order's life source to be weakened and reduced. In many cases, later on, in order to silence the Lord of Order, he also paid a lot of money to appease the Lord of Order.

As a result, the accumulation of the Lord of Light over countless years has been greatly reduced at this time.

Therefore, he was a little worried that he did not have enough capital at this time to pay Xu Luo the corresponding fees.

"One hundred thousand units."

Looking at the Lord of Light at this time, the Dragon God smiled and then slowly said a number.

"Are you kidding me?"

After hearing the Dragon God's words, the Lord of Light's expression suddenly turned cold.

The origin of one hundred thousand units is not a small number, and it is not something he can get at once.

"This is the law of origin, and it is also your most scarce law of light origin. Shouldn't you be ready to be severely slaughtered at this time? Once you get the law of light origin, it will mean that As long as you can launch an impact on the supreme, when you reach the supreme, all the sources will have lost their meaning. By then, is there anything you can't bring out from a hundred thousand sources? That is the supreme existence, don't you just Not moved?"

Looking at the Lord of Light at this time, the Dragon God was very seductive.

"That's just a wisp of high-sounding laws. Do you think it is of such high value at this time? What's more, even if I gather the laws of the origin of light, it is just to make my own origin perfect. At most, I will get Once you are qualified to hit the unparalleled threshold, it is still unknown whether you will be able to truly launch an impact.

Now let me spend 100,000 yuan to directly purchase such a ticket. Do you think I have that much capital? "

The Lord of Light could not help but sneer at this time.

He is not an ignorant kid, so he may not know that the other party is asking for a lot of money at this time, but for him, one hundred thousand origin is really too expensive at this time, and he simply can't afford that much.

"I talked with that person for a long time before finally convincing him to directly come up with this ray of law for trading.

At this time, you don’t have to take it out all at once. Isn’t it okay to wait until you have the strength to repay him, or to repay him slowly?

If you pass this opportunity, after that person changes his mind, it will not be so easy for you to obtain the original law.

And don't think about targeting him later. After all, you should be very clear about the importance of that person.

Above the divine defense line is the most suitable place for him. Once he goes to the divine defense line, do you think you will still have a chance to target him directly? "

Seeing the appearance of the Lord of Light, the Dragon God just smiled and didn't even care about the attitude of the Lord of Light, because for the Dragon God at this time, he didn't need to look at him at all. face.

Hearing this, the face of the Lord of Light finally darkened.

And this is what he cares about most.

If Xu Luo changes his mind directly at this time, once he goes to the defense line of the gods, it is conceivable that he wants to target Xu Luo, that is, he will be an enemy of the gods in the world of gods or the order camp.

And in this case, even if he is a dominant-level existence, he will not be able to make any waves at all.

On the one hand, it is because in the order camp, on the side of the United Parliament, there are many top masters sitting there.

In addition, behind these existences, there are countless supreme existences, and the mechanical throne is pressing there.

Once Xu Luo goes to guard the defense line of the gods at this time, if the Lord of Light targets him, then the Mechanical God Throne will directly intervene in this matter.

So it is conceivable that it will not be so easy for him to get the law of light origin from Xu Luo again.

Once Xu Luo is directly in the defense line of the gods and goes to garrison, it is very normal for Qian'er not to come back for eight hundred years.

After a few hundred years, Xu Luo will directly and completely master the two rules he has obtained, and he will not be a new level of dominance by then.

And when he fully masters these two rules of his own, even if his mastery of the rules is not high at all, when the two rules are superimposed, he can at least barely compete with the Lord of Light on the frontal battlefield.

And once Xu Luo can compete with the Lord of Light on the frontal battlefield, it will not be so easy for the Lord of Light to target him.

After all, the Light Dominator is now at the pinnacle level of domination. When it comes to Xu Luo, because Xu Luo has just reached the level of domination at this time, his grasp of the rules is still relatively immature.

At this time, he could barely survive a few moves with the Lord of Light under the superposition of two rules.

But after hundreds of years, when he has a higher degree of mastery of these two rules, the situation will be very different.

Especially when thinking about the characteristics of the rules of truth, at this time, the Lord of Light couldn't help but feel a flash of urgency in his heart.

Once the Rules of Truth have penetrated enough truths, the degree of mastery of the Rules of Truth will increase rapidly, which is completely unmatched by any other rule. It is precisely because of the particularity of the Rules of Truth that So thinking of the Lord of Truth and the Lord of Light at this time, I couldn't help but make up my mind.

"One hundred thousand sources is not impossible, but you should know very well that at this time, in the entire world of gods, no god can produce so much at once, so I can only give some at intervals. As for when I can’t tell you how to pay it off.”

"That person naturally knows this, so from the very beginning, he said, act according to the rules of the umbrella. All you need to do at this time is to go out nine times and return thirteen times."

After hearing the Lord of Light's words, the Dragon God smiled, and then gave the Lord of Light an answer that stunned him.

"You guys are really evil!"

At this time, looking at the bright smile of the Dragon God, the Lord of Light could not help but grit his teeth.

Nine departures and thirteen returns, he may not have known about this approach before, but in the past, he was naturally very concerned about the protective umbrella founded by Xu Luo.

Because of this, at this time, he naturally knew what was going on inside the protective umbrella at the time of the loan.

It is conceivable that if I owe a huge sum of 100,000 yuan at this time, I will be burdened with heavy debts for the Lord of Light. More importantly, in addition to carrying heavy debts, there are also many The interest rate is waiting for you, which is the most serious thing.

"Then do you want to borrow it now? After all, there is no deadline."

Even when faced with the gnashing of teeth of the Lord of Light, the Dragon God smiled brightly. After looking at the Lord of Light, he did ask a question.

"Borrow, why not borrow?"

After taking a deep breath, the Lord of Light nodded, as if what the Dragon God said.

Although it seems that nine out and thirteen returns are very scary, even if it is a compound profit, it will be an astronomical figure by then.

But for the Lord of Light, there is no need to worry if the debt is large. At this time, his top priority is to get the law of the origin of light into his own hands. As for the subsequent debts, it is obvious to him that even if he signs No matter how much it is, since he has no time limit to pay it back, it is obvious that for him, it means that there are too many lice and there is no need to worry about too many debts.

"Then please sign here."

While talking, an illusory scroll appeared in the void.

On the illusory scroll, there are relevant regulations at this time.

Obviously, the Dragon God was fully prepared from the beginning, so now that the terms have been sorted out, all he had to do was wait for the Lord of Light to sign, which meant that this transaction was directly implemented. .

Looking at the clauses in front of him at this time, there were dense explanations of relevant regulations on them. However, the Lord of Light only glanced at them briefly and did not look at these relevant clauses carefully at all.

Because it is basically the same as the conversation between the Dragon God and himself at this time, so nine departures and thirteen returns are naturally established.

The so-called nine out and thirteen return means that when you borrow ten thousand, you give nine thousand, but when you repay, you need to pay back thirteen thousand.

That is to say, when you are in the process of borrowing, you only get nine thousand, but you need to pay back thirteen thousand, and you spend four to five thousand in vain. This is of course a very huge expense.

At this time, there are some discrepancies in the nine exits and thirteen returns seen by the Lord of Light.

It was at this time that the Lord of Light had to pay 10,000 origins to give it to Xu Luo.

The key problem is that when he handed over 10,000 yuan at this time, he did not pay back part of it.

But the origin still owes Xu Luo 100,000. After all, after nine departures and thirteen returns, Xu Luo cannot directly hand over 90,000 to the Lord of Light at this time and count it as his debt.

Therefore, the origin of one hundred thousand was given to Xu Luo at this time, and the rest was regarded as ninety thousand, but the principle of nine outs and thirteen returns meant that he still owed one hundred thousand.

In the subsequent time, corresponding interest will naturally accrue after a period of time, but at this time, the Lord of Light does not care about this at all.

Because there is no time limit for repayment, he only needs to collect a certain amount of money in the future. After paying off the interest, he can continue to owe this huge sum of money.

So for him, this is not a big problem at all.

And of course the debts owed by their gods at this time cannot be like ordinary mortals. When interest is compounded, the cycle has a certain limit.

For them, in the process of profit-making and profit-making, the time span is hundreds of years.

Seeing that the Lord of Light did not hesitate to directly sign his real name on these terms, the Dragon God couldn't help but nodded.

Because this is the real purpose of coming here this time. Since the other party has signed his real name at this time, and has even taken out 10,000 sources, at this time, the Lord of Light directly looks at him eagerly. The direction of the Dragon God.

After all, for him, since he has already done what he should do at this time, he naturally needs to get the law of the source of light directly at this time.

Seeing this situation, the Dragon God didn't hesitate at all. He stretched out his hand, and then a thin thread glowing with golden light appeared in his palm.

At this time, when he saw this tiny thread and felt the reaction of this thread on his body, the Lord of Light couldn't help but breathe faster.

At this time, he couldn't help but feel a sense of urgency in his heart.

At this time, if this strand of silk thread is integrated into his body, his sense of deficiency will be directly filled, allowing him to obtain the complete law of the origin of light. For him, this This is exactly what I have been pursuing.

Therefore, at this time, he looked eagerly at the Dragon God next to him, hoping that he would quickly put this ray of original law into his hands.

Seeing the appearance of the Lord of Light, the Dragon God did not tease him too much at this time. At this time, he directly handed this ray of origin law into his hands, and then took over the ten thousand origins from his hands. During that time, he chuckled.

"Don't forget, if you fail to repay the loan here, the Mechanicus will be the one who punishes you!"

To be honest, when I met before, the Lord of Light didn't even read the terms above and just signed his truth. The Dragon God was also very shocked.

You must know that there are many hidden traps there, and at the beginning, the Lord of Light was completely overwhelmed by joy and felt that all these were just small problems.

The main reason is that if there is no repayment deadline, even if it is a compound interest, the worst possible outcome is that he will be saddled with an astronomical debt, but if he can't pay it off, he will continue to accumulate it, so he doesn't take it to heart at all.