With so many sets of numbers, it is possible that no one who buys the tickets in each issue can buy all the numbers.

Moreover, the lottery does not have to be drawn every day. Once every three days is enough.

"It's best not to give the winning numbers to our own people. Keep it random and let more civilians win. Only then can this game last."

At this time, Demon Bear Douluo scratched his head and said, "When I was young, I liked gambling. Once I got addicted, I couldn't stop at all. I always felt that I could make a comeback. If these 50,000 gold soul coins are sold all over the continent, after deducting the operating costs, we can not only give out bonuses, but also have a lot left over."

Han Yu nodded with a smile, and then said: "However, the way to play this martial spirit ticket is just to add to the sale of newspapers. We use the extra money to subsidize the construction of some places or build roads. In this way, everyone who buys a martial spirit ticket will feel that they are noble. At least, they won't feel so sorry for the money."

"I agree. The livelihood projects enhance the foundation of the Spirit Hall's influence, so they can definitely be done." Qian Daoliu nodded.

"But if this is the case, we still won't be able to make up for the shortfall from the two previous reforms." Bibi Dong thinks about the issue in the longer term.

Han Yu said: "Your Holiness, don't worry. The last reform is the key to profitability. In addition, regarding the award of the martial spirit tickets, the soul guide can be used to broadcast live across the continent to ensure fairness and justice."

"Since the terminal soul guide has been deployed on the continent, why not use it?"

Han Yu's idea quickly gained everyone's support.

Buying a Wuhun ticket is just for the excitement. If they know the winning numbers before the draw, then there’s no point in buying it.

In the end, after a show of hands, the proposal was passed unanimously.

"The Spirit News Department needs someone to manage it. I think it should be managed by a spirit master of the Agility Attack Department. Once the communication spirit guide fails, the news can be sent to the editorial department in time." Qian Daoliu said: "I will not assign anyone. If you think you can do this, please volunteer."

As soon as he finished speaking, Qingluan Douluo stood up.

Over at the Pope's Palace, Ghost Douluo volunteered.

This task naturally fell to them. As for the personnel, they would recruit the messengers who had been laid off earlier.

…

Next, let’s talk about the last reform.

Han Yu smiled and said, "Haha, the next reform is about making money, everyone listen carefully."

When they heard about making money, smiles appeared on everyone's faces.

The previous reforms undoubtedly consumed a huge amount of wealth for the Spirit Hall. Since the last one was a profitable business, this project must be very profitable.

"I plan to establish a Wuhun Bank, or Wuhun Merchants Bank. Its function is to absorb the money of depositors, ensure the safety of the money, and pay them a certain amount of interest annually."

"Or do you intend to seize the depositors' principal?"

They thought it was a profitable business, but it turned out to be a money-burning business. The elders began to discuss it.

Han Yu looked calm. The elders' discussions gradually died down, and he said, "With interest, depositors will be more willing to deposit money. And we will not just let the deposited money lie in the safe. We can use this money for loans. As long as the interest on the loan exceeds the interest on the deposit, the result is obvious. We will make money."

Lion Douluo snorted coldly, "There are loan sharks in every city. Let's not talk about the interest. If someone owes money and doesn't pay it back, do we want the Spirit Hall to learn from the thugs on the street and violently collect the debt?"

Han Yu said: "If you want to get a loan, you first need to mortgage your assets. The most common one is land mortgage. If the other party cannot repay the loan on time and refuses to repay, then we can forcibly reclaim his land or mortgage."

"If the other party refuses to comply, we may resort to coercive measures."

"As for unsecured loans, it's not impossible. But the amount we lend will be reduced accordingly, and the interest will also be increased accordingly. If the other party is unable to repay, the mines under the Spirit Hall need people to mine, so let them use their labor as collateral to pay the debt!"

Bibi Dong thought Han Yu's method was very novel and effective. She asked, "Does the Eighth Worshiper have any idea about the interest on deposits and loans?"

Han Yu said: "For the interest on a deposit, if you deposit 100 gold soul coins, after one year, you can withdraw a total of 103 gold soul coins, including principal and interest. For the interest on a mortgage loan, if you borrow 100 gold soul coins and pay it back within one year, you will need to repay 110 gold soul coins, including principal and interest."

There is no wrong version in the 1619 book forum!

"And as the repayment period increases, the interest will also increase accordingly. The increase is 10% of the principal for each additional year. The repayment method is to repay part of the interest and principal every month. If you are overdue, you will have to pay additional detention fees."

"Before lending, we must check the other party's qualifications. If the loan is in the form of gambling, it will not be approved."

Han Yu said a lot in one breath. In short, loans would be very profitable.

There is another very important point. The lands of the Tiandou and Xingluo empires are privately owned. By obtaining a lot of mortgaged land, the Spirit Hall can invisibly control the lifeline of the two empires.

After hearing this, Qian Daoliu expressed his doubts, "Eight Worshipers, setting up a bank and protecting the deposits from being lost requires a lot of investment. And after the bank is opened, the location is fixed. What if someone wants to seize the property? Our operating costs will increase again."

Han Yu smiled and said, "The safe can store more than just gold soul coins. If you want to deposit items other than money in a bank, you will need to pay a storage fee. Besides, who says that banks can only be used for deposits and loans?"

"On the mainland, many soul masters who want to hunt souls spend money to find soul hunting teams. However, not everyone in the soul hunting teams is reliable. Some people take the money but do not do the job. There are also many who cross the river and destroy the bridge after entering the forest."

"We can standardize all the soul hunting teams on the continent. The employer can pay the money to the Spirit Hall first. After the task is completed, the employer will confirm that the team has completed the task, and then our Spirit Hall will pay the money to the soul hunting team. And during this period, we will charge a 20% handling fee."

"If the employer does not show up after the scheduled time, we will send someone to check. Once we confirm that the Soul Hunting Squad killed the employer, we will avenge the employer."

(End of this chapter)