"So this is why the marriage rate and birth rate in Sunshine City have been so high for three consecutive years." Bai Liu thought thoughtfully, "It turns out that it is because of the existence of this [Sunshine Seedling] loan."

Mu Sicheng was horrified when he heard this: "Giving birth to children as collateral? If these children grow up and find out that they are being mortgaged, won't they run away?"

The old lady sighed and shook her head: "You can't run away. Once you come to Sunshine City, you can't leave until you pay off your loan."

"My wife and I have never left this place for 60 years, from the day we took out a loan to buy a house." The old man looked out at the high-rise buildings outside Area E, where only a ray of sunlight could penetrate. His eyes revealed a fleeting desire, "Sometimes I want to go out and take a look, but as long as I take a day off from work, I won't be able to go out."

"I really hope that after paying off the loan in ten years, we will have some money left over so that we can live to see the outside world."

"In Sunshine City, I have lived for so many years, but I have never seen the whole sun."

The old man spoke softly with a sigh, but before he could finish his words he covered his mouth and started coughing violently, with large mouthfuls of blood and pus gushing out of his mouth and nose.

The old lady next to him often took out the small handkerchief on her chest to wipe the old man's mouth. She nodded to Bai Liu and the others shyly and said, "Excuse me, he and I both work on the construction site. There is too much dust. My respiratory tract has always been bad. It's an old problem."

"The monthly medical expenses are a huge expense. When we were young, we should have worn protective masks and not rushed to work." The old lady patted the old man on the back with a slightly reproachful look and sighed, "Look at you now, many people have gone to see a doctor, right?"

Tang Erda took out a bottle of water and slowly fed it to the old man who was coughing dryly. He frowned and asked, "Is this an occupational disease caused by long-term work? It is considered a serious work-related injury. Won't your company compensate you?"

The old man and the old woman were a little confused after hearing this: "What kind of work injury? What kind of compensation?"

Tang Erda was about to open his mouth to explain, but he remembered the various bizarre systems here. Under these bizarre systems, it was simply too extravagant for the company to compensate employees for occupational diseases, so he closed his mouth again, and finally just said stiffly, "Nothing", and muddled the subject.

The old man drank two sips of water slowly, then thought about what Tang Erda said. He seemed to understand what Tang Erda meant. He shook his head as if he found it funny. "Hey, young man, after working on the construction site for decades, everyone will get this kind of disease when they are my age. How can the company take care of it? The medical expenses are so expensive."

"They started the company to make money, not to do charity." The old man waved his hand, "How many decades of medical expenses will they take care of? That's not a good thing."

Bai Liu followed the old man's slow pace and walked side by side: "I found that there are many new citizens coming to Sunshine City. Are you a native of Sunshine City or an immigrant?"

"My wife and I are both immigrants." The old man looked at Bai Liu, "There are fewer immigrants in Sunshine City in recent years. There were more immigrants like me in the early years!"

Bai Liu followed up by asking, "Why were there so many immigrants to Sunshine City in the early years?"

"Because our group had a loan program called Sunshine New Home." The old man seemed to have a bad memory and stopped to think hard. "I don't remember the specific terms, but it was like this: if you come to Sunshine City and plan to buy a house, and you can bring in more than 20 outsiders to buy houses in Sunshine City, then you can get a housing subsidy of about 3 million."

"At that time, most people bought houses of more than 30 square meters, with an average price of 200,000 yuan. This is basically a 50% discount!" The old man said with relief, "Although the salary level was not high at that time, about 1,000 or 2,000 yuan a month, it was still a good deal!"

The old lady nodded in agreement: "Buying a house at that time was the best decision we ever made."

"We were reluctant to come over at the time." The old lady couldn't help but laugh as she recalled, "I was so anxious that the other side shouted, 'If you are my brother, help me cut 3 million.'"

"Yes, because my wife and I were persuaded by our friends to come here, because they needed 20 outsiders to buy houses here in order to enjoy the loan service of [Sunshine New Home]." The old man raised his head slightly and recalled the past. "At that time, under the strong lobbying of my friends, I was a loyal person, so I gritted my teeth and bought it. Later, in order to enjoy the service of [Sunshine New Home], I also called 20 friends to come and buy houses here."

The old man waved his hand proudly and said, "Of course, now they are very grateful to me. Otherwise, according to the current house prices, they would never be able to afford a house."

Bai Liu's eyes moved slightly: "Yes."

No wonder there are so many new immigrants in this sunny city; it turns out this is the pyramid scheme-style strategy for attracting people.

If one person comes here to buy a house and repays a loan, he will bring twenty people here to buy houses and repay loans. Twenty people buying houses will bring four hundred people here. Once people buy a house and get a loan in Sunshine City, they can't leave. In this way, wave after wave, people are completely trapped in Sunshine City.

"Is the loan program for Sunshine New Home still available?" Bai Liu asked softly, "I see there are still many immigrants coming here."

"It's long gone." The old man shook his head. "Now Sunshine City's population has increased significantly every year just by births, so there is no need to introduce foreign population. The immigrants who are coming now are probably not well-informed. They don't know that the loan for Sunshine New Home has been cancelled a long time ago, so they didn't catch up."

The old lady sighed: "This group of young people came too late. If they had come earlier, they could have bought a nice house of about 20 square meters in Sunshine City just by attracting people."

"Hey, the housing prices are really high now, no wonder young people like you are forced to live in cemetery houses." The old man couldn't hide his sigh, "The house you own is basically dead, you are really brave to buy it and live in it."

Bai Liu quickly grasped the key words: "Cemetery room?"

The old man looked at Bai Liu and the others strangely, and asked with a raised voice, "Don't you know? No. 444, Route 18, District E is the cemetery in Sunshine City."

Mu Ke paused for a moment: "But the property certificate says it's on the 18th floor, how can it be a cemetery?"

"Yes." The old man explained naturally, "The cemetery here is also a building. It is built by hollowing out the ground and building downwards. The first floor of the cemetery is close to the ground. The floors are higher as you go down. Generally, each cemetery has 18 floors. What you have is the top floor, which can be said to be the lowest cemetery and the worst floor of the cemetery."

"The ground floor is full of large-sized cemeteries, which can usually hold the bodies of an entire family. They are 3-5 square meters, and if you remove the average area, they are usually over 2.7 square meters. Most of them are bought by wealthy first-class citizens. The top floor is usually only 1 or 2 square meters, and if you remove the average area, it is only about 1.5 square meters, which can only hold one body. They are not easy to sell, and they are still being sold. Your 2.5 square meters or more are considered large."

"The 18th floor cemetery going down?!" Mu Sicheng felt dizzy after hearing this. "What's the difference between this and the 18th floor of hell?"

The old man actually thought Mu Sicheng was joking, and laughed instead: "This is the characteristic of Sunshine City. Cemeteries are high-rise buildings just like buildings. Otherwise, a cemetery would take up a piece of land, which is so expensive that no one can afford it."

"But don't buy this cemetery house to live in." The old man said to Bai Liu seriously after laughing, "I know some young people are greedy for the cheapness of this cemetery house and buy it as a living room, but don't live in it."

"If you can live in a haunted house, why can't you live here?" Bai Liu raised his eyebrows and asked.

The old man lowered his voice and leaned over to whisper in Bai Liu's ear: "There is no elevator in the cemetery building. If you want to go back to the cemetery room on the 18th floor to rest after get off work at night, you can only walk down one floor at a time and pass by all the cemetery rooms."

"But this is the place of the dead. They come out at night."

"If you live in a haunted house, you will only encounter one ghost, but if you live in a cemetery, you will encounter a whole floor of ghosts. You can hide from one ghost, but where can you hide from a whole floor of ghosts? You won't even have time to run to the ground."

The old man coughed slightly and patted Bai Liu's shoulder earnestly, "Living in a place where the dead are will really make you dead. Young man, you should work hard to earn money and try to buy a house in Sunshine City on the ground."