America 1982

KeyBank's headquarters in New York.

In Jim Manz's office, he was happily introducing the bank's high-quality customers to Tommy and Stephen:

"The three Big Jack brothers should definitely be KeyBank's California branch's annual premium customers, and we should put their photos in black walnut frames and hang them on the wall, you know what I mean? Tell me, the last time you saw each other When did we see hard-working and motivated black people? Anyway, since Lincoln emancipated the black slaves, I had never seen a hard-working nigger until I met the three of them~"

"You'd better pay attention. Yunus, Otilia and other board members are having a meeting. There are several black directors inside. They are only two walls away from you at the moment. If they hear what you are saying at this moment, you will It’s time to get a new job, Jim.” Stephen flipped through the documents in his hand and reminded Jim.

Jim nodded: "Yes, of course I can't let people think that I don't respect black people, so what are we going to do? Of course..."

"Watch your wording." Stephen raised his head, looked at Jim, and said angrily.

"No, pay attention to decoration." Jim gave a completely different answer from Stephen:

"I specially installed a sound insulation layer when decorating the office, and the effect is good. If necessary, I can introduce the designer's phone number to you two. In the actual test, the sound insulation effect is extremely good. I separated the glass and A high-end girl was making out, and I asked my secretary to stay on the other side of the glass and pay attention to what was going on inside. It turned out that the secretary didn’t hear anything.”

"Jim, every time I sit down and chat with you, I can hear your action stories with various women. If I remember correctly, this is the sixteenth episode. Are you okay? I have no objection to you and all kinds of women. Women are looking for fun, but you make me feel uncomfortable. I can take you to nightclubs for fun, but... in the company, this feels too weird. Are you that horny?" Stephen covered his face with his hands, He said somewhat weakly:

"If you hadn't brought another 13 million in revenue to our financial company this quarter, I would have severely reprimanded you on the board of directors. You can't learn from Tommy. Tommy is definitely better now." Except for the man who occasionally accompanies Otilia on vacation, there are never any other women around him.”

"Learning from Tommy? My majority shareholder, what made you have this hallucination?" Jim bit his cigar and looked at Tommy with a grin:

"There are probably only a few reasons why he can resist temptation in front of women. First, the other party is old and ugly, and his club cannot be hardened. Second, the other party wants to mate with him, but cannot produce a medical examination report. , he was too scared to show his club. Thirdly, the other party was very beautiful, but unfortunately he was a black man. Let’s put it this way, no matter how beautiful the other party was, as long as he had one-sixteenth black blood in his body, he would be considered ugly* The word equals the sign.”

"But Tommy really didn't fool around in the three years from college to graduation. To be honest, I admire how dedicated this guy is." Stephen said seriously.

Jim Manz looked at Tommy and said suspiciously: "Really?"

"That's right." Tommy smiled and said, "I'm not the kind of man who messes around."

"What you said to me can only mean that you are telling others that you are not a man. I guess the reason why you have to be a good man honestly is because there is something wrong with your club, but Otti Leah didn't break up with you, which means it's okay, and there's another reason." Jim became interested, sat at his desk, stared into Tommy's eyes, and said with a smile:

"I can definitely guess..."

"Hey hey hey, I told you, don't call me over if you have nothing to do. I'm very busy." Tommy interrupted Jim Manz's speculation and forcefully asked the other party why he called him to run away.

Jim looked at Stephen: "What do you think about this issue, should you talk to him, or should I talk to him?"

"Undoubtedly, of course it's you, Jim. I paid to hire you and gave you shares, just because I hope you can solve this problem for me." Stephen adjusted his tie and said to Jim.

Jim cursed, then looked at Tommy: "Your budget of three million for the new quarter has been rejected, Tommy."

Tommy stared, looked at Stephen, and then at Jim who told him at this time: "Are you kidding me? That money is very important."

Jim had a bad smile on his face, biting his cigar and nodded repeatedly: "Yes, it's very important. Of course we know it, but the question is, why the hell do you want the company to pay the bill for you when you buy a very expensive gift for your girlfriend? ?”

"I did it for company promotion, to promote our charity, it was a necessary publicity cost." Tommy said dissatisfied.

"In order to promote Otilia, you are more willing to spend money than the BBC to shoot a documentary. Tommy, the American and Spanish documentary team you arranged only filmed Ottilia going to Gabon, Africa, to shake hands and talk with a nigger child. Ten minutes, I’ll quote you $10,000! Three million means that at most it’s enough to support the filming of three thousand minutes of material, and your initial plan is to follow the filming for three years. You want the documentary team to be involved in the next three years. You're all following your cute angel girlfriend, and then you want the company to pay your bills? KeyBank helped those niggas dig wells in Gabon and provide clean water and toilets for two years, but they only loaned out three million!"

"So I don't think I need to remind you that the three million loan in Gabon was resold for thirteen million, all because of me." Tommy roared to Jim:

“It was I who asked you to make the debt involved more complicated, and it was I who asked you to involve various traps in the contract, so that Gabon could not complete the repayment despite having money, and finally obtained the manganese mining rights and logging rights in certain areas of Gabon. ! Then I just want to help KeyBank make a documentary to record its good deeds. It is completely unselfish, and you actually want me to pay for it out of my own pocket? F*ck! You damn vampires!"

Jim spit out the cigar in his mouth, pointed at Tommy and scolded him without fear: "It's all my damn fault! Your girlfriend just went over there to play angel and take her to the well and the toilet. She just spent money. I went there." The person who is doing the finishing work, I need to open all the joints! Do you know that for this debt, I danced with the black and ugly old women of an African organization of the United Nations? It is I who opened all the joints so that I can use the principal of three million, Take back thirteen million! You didn’t do anything but find ways to include the money you spent to buy a condom in your company’s expenses!”

"F*ck You! Jim Mantz! I swear I'll kick you out! You're fucking fired!"

"F*ckYouToo! I won't fucking leave, I will unite with the board of directors to get rid of you, this stingy, ignorant and lazy idiot!"

"Whoa, whoa, whoa... Calm down, guys~" Seeing the two people getting more and more noisy, Stephen quickly stood up to comfort the two who were glaring at each other like cockfighting cocks, ready to fight at any time:

"Calm down, it's only three million. There's no need to be angry about this small number."

Stephen Penn did not finish Stanford and officially dropped out a year before graduation. Of course, the reason why he dropped out without being hacked to death by his rigid and stubborn father was because he no longer needed a diploma to prove himself.

The two most successful investments in his university were an investment of 20 million to establish KeyBank with Tommy Hawke, and an investment of 5 million to establish KeyBank with Tommy Hawke, Benjamin Benson and Jason White. Established Dell Computer Company with several other investors.

Dell Computer Company has nothing to say. In 1985, it launched the company's first product, the Dell-PC, which sold at a lower price than other brands of similarly configured personal computers placed in computer stores, and provided optional options. In short, users can buy a good computer for 750 yuan, but basically if they fool the other party, the other party will upgrade some accessories and purchase several software packages out of the mentality of taking advantage of the flexibility. With this business model of matching and bundling sales, Dell's revenue reached 69 million in its first year. Although it cannot be said to be a blockbuster in the industry, it has at least established a firm foothold.

However, compared with KeyBank, Dell's returns seem to be negligible. This is the first time Stephen Penn has seen that charity can be like Tommy Hawke.

They owned Professor Yunus's small bank and eventually annexed it, successfully appropriating the other's concept as their own, leaving Professor Yunus to continue in Bangladesh as Vice Chairman of the Board of Directors and Head of Asia. To alleviate poverty, Jim started KeyBank’s charity business in Africa and Europe in the name of charity.

Under normal circumstances, the business starts with Otilia and various American charities affiliated with the United Nations. They will appear as angels in countries plagued by poverty. Otilia and those people will be so kind. Stupidly, we provide interest-free loans in the hope of helping poor people in countries who lack even basic water resources. We use loans to help them dig wells, provide toilets and other infrastructure, and so on.

Often when they see Americans who are stupid but have enough money, local government officials feel that they can trick the Americans into putting the money in their own wallets, so they often offer to cooperate with Otilia. , their government and KeyBank jointly set up a company to receive loans, and then provide necessary help to the poor in the name of local companies.

The officials wanted to defraud these seemingly stupid Americans who took out money to help the poor to dig wells. However, when the company was established, Otilia would not be present. Instead, Jim would arrive with a group of American lawsuits. In short, he would use various methods such as Use methods such as buying, bribing, and wooing to achieve the desired goal, that is, the government admits to borrowing an interest-free loan from KeyBank on behalf of those poor people, and then lets the government of the other country only know how to accept bribes and cannot understand the contract. The official signs the contract.

There will be a repayment period in the contract that seems long enough, so long that those officials thought they would never have to repay it. Moreover, if the repayment cannot be made before the repayment period ends, no one needs to bear the responsibility, just some resource extraction in that country. The rights temporarily belong to the American bank, which focuses on charity, until the other party repays the money.

Of course, Otilia and Jim will assure each other that KeyBank does not have the ability to mine any resources, and they have no interest in doing these things. They are only passionate about charity.

Then, within a year or two after the contract is signed, Jim will come up with a bunch of excuses. In short, the bank has too many bad debts, has problems with its turnover, and is insolvent. He is forced to sell the debt to someone who is willing to help. And there are American companies that happen to be able to exploit these resources.

Under normal circumstances, in order to show their support for charity, these companies often buy loans provided by KeyBank to small countries at high prices.

Then those new creditors will tell those small shit countries that there are loopholes in the contract and the repayment deadline is abnormal. They want resources. If there is no objection, this mine will be mined by American companies starting today. If If you just want to repay the loan, there is no need to rush, because the American creditors are going to file a lawsuit with this country first. The reason is that they suspect that the officials of these small African countries deliberately set trap clauses in the contracts in order to defraud the loan. The lawsuit will be fought anyway. A long time, by that time, liquidated damages, interest, compensation, etc. added up will definitely not be a small number.

As for whether it is possible that Americans deceived small countries? How can it be? The documentary footage honestly recorded that Ms. Otilia, a compassionate American, came to this country with money and wanted to dig wells directly for the poor. It was you, the local officials, who stopped her and offered cooperation. I leave the loan to you to distribute, and KeyBank only cooperates unconditionally to provide the loan from the beginning to the end.

As the sovereign state of many small African countries, France certainly cannot bear to be stepped in by the Americans, but it does not have the courage to challenge the United States head-on, so it can only painfully wipe the small countries' butts, pay banknotes at the prices offered by the Americans, and The resources of those former colonies continued to be retained by France's own companies.

For example, Gabon's 3 million debt was sold to an American mining company with a senator's family background. The price was fair, only 13 million. Then the American mining company did nothing and used it from the French government. This charitable interest-free loan will be exchanged for 60 million. If France does not pay, the senator will sell this loan to a larger and more professional American company. At that time, the American company will actually land in Gabon and complete the mining.

The poor in Gabon received clean water and hygienic toilets. KeyBank recovered its three million principal without any losses and gained a reputation as a charity.

Moreover, they, the shareholders, used another financial company to accept the 10 million from the mining company to express their gratitude.

American mining companies and senators, as professional debt collectors, also received high commissions. Everyone was happy except the French, but who the hell cares if France is happy? The world no longer needs France's voice.

This is the KeyBank designed by Tommy Hawke, the key to wealth. The missionaries of the American predators come in the name of God, but they only come, without salvation.

As long as the officials of that country are a little bit greedy, they will fall into Tommy's trap. Since the bank opened, Stephen has never seen anyone who is not greedy. Everyone sees Otilia and those real philanthropists, Everyone will feel that it is very easy to take the money from these fools as their own. Once they have this idea, most of the business has been completed.

Tommy came up with the idea, and Jim executed the plan. Stephen thought about it for a while, and it seemed that he was the only one waiting for the money. At this moment, two guys who both contributed to making money were insulting each other, and he looked at the two of them. , spread your hands:

"Tommy, there is no reason for the bank to pay for your publicity fees. If you want to help Otilia publicize, you have to pay out of your own pocket."

Seeing Tommy staring at him, Stephen immediately continued to add: "One million, I will help you share one million, but the decision to pay all three million by the bank will make Jim very embarrassed at the board meeting. You have to think about him, Jim has paid a lot for us, you can't do this to him, you should apologize to him, I mean it."

"Did you hear that? This is my brother! Jim!" Tommy heard Stephen's words and immediately smiled at Jim and said: "Don't think that all rich people are stingy. Stephen is definitely not. You lost five to me." One hundred thousand."

"Shit! Stephen, my acting skills are too superb. Can't you see that this is completely fake? This bastard Tommy made a bet with me, saying that you would be willing to help him bear part of it. I said it was impossible. You don't have enough money. You fool with nowhere to spend it..." Jim didn't expect half a million to leave him so easily, and looked at Stephen in despair and complained.

"It's still too late for me to regret it, right?" Stephen looked at the expressions of the two people, and after realizing that he had been fooled, he cursed in a low voice.

Tommy stood up, walked behind Stephen, strangled the other man's neck forcefully, and said happily: "Jim will bear the half million for me. That's what he lost to me. You don't need to help me pay, Stephen. Your performance just now moved me more than a million dollars. I helped my girlfriend make a documentary. Of course I can’t ask my best friend to pay for it, but I can ask bank customers to pay for me. Jim, remember to ask the bank to help. I'll apply for the loan, and if there's nothing important, don't bother me..."

"You have graduated, aren't you going to take charge of the work here?" Seeing Jim preparing to leave, Stephen asked.

"Jim, Yunus, Otilia, the senators all perform their duties, why should I change this stable structure? Of course not, I have other work to do." Tommy let go of Stephen, turned and walked out Office: "I will accompany Otilia to the opera, send her to the plane, and then go back to work. Please do not disturb her unless it is a holiday."

Seeing this guy lazily disappearing out the door, Stephen looked at Jim: "What does that guy Tommy do?"

"I don't care what job he does, I'm still thinking about the previous question, if his club wasn't broken, why didn't he eat it secretly." Jim looked at Stephen with eyes eager to get the answer, and asked seriously.

Pay attention to your protection, everyone. After my son had a fever a few days ago, my wife started to have another fever... I don’t know if it is influenza A or the epidemic is coming back... In short, everyone should take care of your health, take good protection, and avoid it if you can~