The chapter opens with a discussion between Ren and Ren's daughter. Ren tells Ren that her father hired Ren with high pay and used his resources to make money for himself, but Ren also used the information Ren gave him to his own advantage. Ren says that Ren wants to set a "stepping stone" for her new boss, and Ren thinks that Ren will not suffer any losses in business. Ren then asks Ren to lend Ren and Matthew three million yuan to open a restaurant in the Haitang bay. Ren is shocked at the amount of money that Ren is asking Ren to loan. Ren thinks Ren is joking when she says that she and Matthew tried to borrow money from all the commercial banks in the