"All the way through from the first granary, the 'banks' have charged for their service. Exchanging the various types of coin used by all the groups incurs a charge. Carrying a letter of credit incurs a charge. Borrowing to finance new ventures incurs a charge."Eventually some of the more enterprising citizens see what is possible by taking out a loan to start a new venture and they borrow too. The new ventures keep expanding and need capital. Some comes from the bank, but some comes from offering a 'share' in the profits to other citizens. Yet more citizens start to borrow for personal reasons – to buy goods they can't immediately afford or to purchase a dwelling."All of that sounds logical and sensible. So where is the problem with banks? I can only come back to greed. All of the services I've thought about are required, but how much should we have to pay for them? How is it that bankers can create 'new' things to sell which are worth less than what they're sold for? What kind of. It is fine.’ Ragnar grimaced as his erection disagreed with him and jumped against the fabric as she bared it to her gaze. Its swollen head purple with desperation, a pearlescent drop forming from its top, it jumped as her cool hand tried to wrap itself around it. ‘Kate…’ Ragnar began, as she begged him to silence. Her hand gently pumping over him, Ragnar’s breath quickened, he was not going to last much longer if she kept going. He had just gathered enough energy to leave, as her hot mouth closed around him, and he was lost to her. Bracing his hands against the wall above her, Ragnar’s hips rushed forward as he began to come, shuddering as he spilled into her welcoming mouth. His senses coming back online, he pulled away quickly, dropping to the matress to check if he had hurt her. ‘Kate, I’m sor…’ Silenced by her beaming smile and her gentle kiss, Ragnar marveled at his temptress, as he kissed her good night, and left to take over for Bruni. ‘We have to do that again.’ Kate laughed.
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