Capítulo 15: 015 This kid, so talented

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Gu Wanzhou, though a businesswoman,

found herself frequently ensnared in an echo chamber of information.

At this moment, after hearing what Li Zhiyan had to say, she couldn't help but feel ignorant.

She was also somewhat shaken by it.

It seemed that this child knew a great deal.

As Li Zhiyan helped Gu Wanzhou with picking vegetables,

he spoke, "The Big Five investment banks in America refer to private investment banks, namely Goldman Sachs, Morgan Stanley, Merrill Lynch, Lehman Brothers, and Bear Stearns."

"If Aunt Gu finds investment banking a bit unfamiliar,"

"you might be aware of HSBC on Hong Kong Island, where they offer domestic deposit interest rates at ten percent."

"These banks were once at the height of their glory in America."

"Their economic domains had extended into every aspect of the lives of ordinary Americans."

"However, under the global financial tsunami triggered by the subprime mortgage crisis,"

"within less than a year, most financial institutions couldn't hold out."

"Among them, Merrill Lynch was acquired by Bank of America in 2008."

"Lehman Brothers has already collapsed."

"The fate of Bear Stearns was not much better, disappearing into history that same year, 2008."

"Now, the only super investment banks left are essentially Goldman Sachs and Morgan Stanley."

Li Zhiyan was somewhat impressed with himself for remembering these things so clearly; he thought that it might be related to his enhanced memory after coming back to life.

"Auntie understands now…"

"These super investment banks are private banks, and they use the bank's money to make various investments to make money."

"But they collapsed under the subprime crisis."

"However, does this have anything to do with the rise in house prices?"

Gu Wanzhou found herself growing fonder of Li Zhiyan by the moment and inwardly regretted that he wasn't her own son.

What a talented and outstanding young man.

"Subprime denotes loans that are of inferior credit quality,"

"meaning 'subprime' relates to low credit and weak ability to repay debts."

"This is similar to the credit scoring system in our country where people without stable jobs are tagged with a low credit rating."

"Those people are basically impossible to lend to by banks."

Seeing the awe in Gu Wanzhou's eyes,

Li Zhiyan continued, "In America, loans are a very common occurrence because everyone likes to consume beyond their means."

"For something as expensive as a house,"

"it is normally bought through long-term loans."

Gu Wanzhou nodded lightly, looking at the child before her; she felt as if Li Zhiyan was a teacher imparting knowledge to her.

"However, with a high unemployment rate in America, these unstable earners are defined as subprime borrowers,"

"also known as subprime loan recipients."

"Regular banks are reluctant to extend credit to these people,"

"fearing they won't be able to pay back, thus giving rise to subprime mortgage lending."

"Since banks are unwilling to loan to these individuals, private banks offer loans by charging high interest rates."

"The returns from the subprime mortgage market are several times higher than the bank's loan interest rates."

"In this respect, it's somewhat similar to HSBC."

Gu Wanzhou recalled that she too had sought loans from HSBC in the past.

The interest was as much as thirty percent a year, essentially usury.

"Due to the quick rise in house prices,"

"many American stimulus loan recipients just follow the trend,"

"borrowing money to buy houses."

```

"Before 2006, America's real estate was in a state of continuous boom,"

"and at that time, interest rates were particularly low."

"As a result, the subprime mortgage market was rapidly developing."

"However, America's stimulus for the mortgage market used a combination of fixed and adjustable rates."

"The interest rates for the initial years of repayment were fixed at a low rate."

"Years later, the loan interest was repaid based on changes in the interest rate."

"After 2006, as America's real estate market cooled and adjustable rates increased,"

"the repayment rates for subprime loans also rose significantly."

"Many of these subprime borrowers were economically weak to begin with, and under these circumstances, hordes of homebuyers couldn't afford their loans."

"So they had no choice but to default."

"After the banks took back the houses, they found no buyers, leading to a vicious cycle."

"A financial crisis began in 2007 and totally exploded in 2008."

"The American government had no choice but to print money without limit to save the market."

"And due to the Bretton Woods system established after World War II, America pushed all this newly printed money to the entire world."

"Making people all over the world pay for America's actions."

Actually, Li Zhiyan didn't understand either.

But, knowing future trends, he could be considered a prophet, so whatever he said was right."

Li Zhiyan discussed the financial crisis with an air of nonchalance.

My heartbeat inexplicably quickened. How does this kid know everything? When he talks about these things, he inexplicably looks a bit handsome.

Talented men are indeed attractive.

"So, under America's unrestrained money printing in 2008,"

"we also experienced a significant flood of liquidity."

"After this money entered the market,"

"it didn't flow into other industries but was locked into real estate instead."

"Only in this way could they ensure that prices wouldn't skyrocket."

"Real estate is our reservoir."

"It ensures that the newly issued currency doesn't circulate in the market."

Li Zhiyan didn't quite understand these things, so he went on to talk nonsense.

As long as the outcome was right, that was all that mattered.

Gu Wanzhou listened from the side, somewhat confused, but she was completely convinced by Li Zhiyan.

This kid could self-learn computer programming at 18.

He really was different from ordinary people!

"So, for many years to come, I predict that housing prices will continue to rise."

"If you buy a house now, with a down payment, you can make a lot of money in the future."

Looking at Li Zhiyan in front of me, still helping with the vegetables,

I felt my heartbeat quicken even more.

My hormones seemed to start flowing.

Is this the feeling of being smitten?

Thinking back to Li Zhiyan's long speech, my heart just couldn't settle down.

"Little Darling, Auntie really didn't expect you to know so much."

"What you said earlier makes a lot of sense; I've decided to buy another house."

After patting Li Zhiyan's head,

Gu Wanzhou continued, "Auntie wanted to ask you, would you be willing to be my godson?"

"In the future, Auntie will cherish you just like a mother would."

Li Zhiyan felt somewhat helpless. How come after being reborn, both Yu Sisi's real mom and Liu Zifeng's real mom wanted to be his mother; it was absurd.

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Capítulo 16: 016 Snow-white beautiful legs, the fragrance of a mature woman

However, I can't be your godmother.

Li Zhiyan clearly understood the principle that if he accepted a godmother, he would really have no chance with her.

Rao Shi Yun won't do, nor will Gu Wanzhou.

He still wanted to pull the carriage himself.

Ever since he was reborn, Li Zhiyan's heart had been itching unbearably.

How could he possibly be willing to take on a godmother? That would be like adding an unnecessary shackle to himself.

A little spice while pulling the carriage, perhaps, but to really recognize someone as kin, Li Zhiyan was definitely unwilling.

"I don't want to."

Li Zhiyan decisively rejected the matter.

"What's wrong, Little Darling, do you think Auntie isn't good enough?"

"Or do you think Auntie isn't pretty enough and embarrasses you when out in public?"

At this moment, Gu Wanzhou felt a bit of a headache; she had wanted to accept Li Zhiyan as a godson, so he wouldn't have to think about all those messy things any longer.

She was already 41 years old, and he was only 18. It was impossible for her to be with him.

Although she was growing more and more appreciative of this young man, appreciation and romantic feelings between a man and a woman are not the same.

Li Zhiyan glanced at Gu Wanzhou's chest, remembering their hug that one time.

He was well aware of just how substantial Gu Wanzhou was.

"You are indeed very beautiful, but what I want is for you to be my girlfriend."

"Haven't you said that you would give serious consideration to this matter?"

"If I really became your godson, that would make us mother and son."

"And a mother and son can't be in a romantic relationship."

Li Zhiyan spoke very seriously, which made Gu Wanzhou a bit emotional—this situation had indeed become troublesome.

To outright reject Li Zhiyan was something she really couldn't bring herself to do.

He was so knowledgeable and talented, one could only imagine how much effort he put in behind the scenes. A child from a poor, single-parent family, yet so sincere.

Gu Wanzhou truly couldn't bear to crush him.

Yet his affection for her was something that simply could not be realized.

"Little Darling, actually, it's not that Auntie doesn't like you."

"On the contrary, Auntie likes you very much, which is why I invited you to come over for dinner."

And so the topic of dating came up again.

Gu Wanzhou felt that she might as well have a proper talk with this child.

"However, this kind of like is the fondness an elder has for a younger person."

"It's not romantic affection between a man and a woman."

"Your liking for the current me is probably just a youthful fantasy."

"At the age of 18, hormones are surging."

Following this, Li Zhiyan spoke up: "So right now is the time when my hormones are at their peak, and Auntie is also at the peak of her hormonal surge."

"Isn't that a perfect match then?"

Gu Wanzhou's pretty face blushed again. Indeed, the age of 40 is when a woman's physiological needs are strongest.

And 18 is when a man's needs are at their peak.

In a sense, what Li Zhiyan said was quite right.

"Right now, perhaps there wouldn't be a problem for the two of us to be together."

"But what about in five years, or ten years? When Auntie starts to get old, would you still like her?"

"Even if we were together, it's doomed not to end well."

"When we eventually part, it would cause deep hurt, whether for you or for Auntie."

"You're still young, but Auntie is already 41. I can't be so irresponsible."

"And besides, I really do see you as a son."

While cooking, Gu Wanzhou hoped she could persuade Li Zhiyan to stop thinking about being together with her.

If only she could take him as her godson, after chatting with Li Zhiyan before.

Gu Wanzhou's heart grew even fonder of the child.

"Auntie, actually, the most important thing in life isn't the result."

"But the process, because most of our time is spent within it."

"No matter what the outcome might be, that's still very far away."

"What we need to do is enjoy every day as it comes."

"Constantly thinking so far ahead actually makes life quite tiring."

"Please give me a chance, let me take care of you."

Li Zhiyan looked at Gu Wanzhou before him, feeling his hormones expanding continuously.

This superb mature woman was really too beautiful, and she was also Yu Sisi's mother.

Thinking about it, he was determined to win over Gu Wanzhou.

Suddenly, Gu Wanzhou felt that she couldn't win a logical argument with this young kid.

It seemed like there was nothing he didn't understand, and for a moment, Gu Wanzhou also felt a sense of helplessness.

She wanted to reject Li Zhiyan outright.

But she couldn't bear to hurt this honest child.

"I'm 23 years older than you, I could be your mother."

"Plus, I've been divorced and have a daughter who's as old as you."

Without the slightest retreat, Li Zhiyan said, "I've known all this for a long time, and besides, 40 is actually a very beautiful age."

"Those young girls can't even compare to you in my eyes."

Hearing Li Zhiyan's praise, Gu Wanzhou subconsciously felt her heart blossom with joy—this kid was really sweet-talking.

"Whether it's looks or figure, you have much more charm than those young girls."

Looking at Gu Wanzhou's ample chest.

Li Zhiyan wanted to reminisce about his childhood.

Although some young girls were pretty, they were flat-chested, and in Li Zhiyan's eyes, they all scored zero.

He really didn't for flat chests.

"You child..."

"Auntie, think about it for a while longer."

Gu Wanzhou felt that she couldn't persuade Li Zhiyan.

This kid had a counterargument for every statement she made.

How could she convince him...

It seemed she could only continue to give him the cold shoulder; perhaps once he went to college, he might fall for a younger girl. In that case, he wouldn't keep insisting on being with her all the time.

Suddenly, Gu Wanzhou remembered her best friend Rao Shi Yun.

That voluptuous woman definitely had a strong liking for Li Zhiyan—she wouldn't actively invite him to pull the cart, would she?

In her mind, Gu Wanzhou couldn't help but envision Little Darling Li Zhiyan and the big cart, Rao Shi Yun.

For some reason, Gu Wanzhou felt a sourness in her heart.

"Ah..."

All of a sudden, due to sitting for too long, her neck hurt again, causing Gu Wanzhou to let out a somewhat painful moan.

Li Zhiyan knew that his opportunity to carry out the mission had arrived.

He was very clear that such conditions were hard to cure and medicine didn't have much in the way of solutions.

But when it hurt, it was truly uncomfortable.

And he had to help massage not just Gu Wanzhou's neck but also her thighs.

Looking at the flawless white legs of Gu Wanzhou before him and smelling the fragrance of this supreme mature woman at 41.

Li Zhiyan bent down slightly.

Youthful dragons, after all, are hard to control by magicians.

"Aunt Gu, is it your neck that hurts?"

"Yes, it's an old problem."

"Actually, I can help you."

Li Zhiyan said earnestly, his heart growing ever more grateful for the system that allowed an ordinary man like himself the chance to perform miracles in public.

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