Charlie, a 21-year-old orphan, studied business administration and finance at the Southern Academy in Sky City, a thriving third-tier metropolis. His dream was to build a business empire and support his orphanage brothers and sisters.
Charlie's entrepreneurial journey began with a small investment venture alongside friends Frank and Mark. Initially, Charlie solo-steered the business, doubling returns in his freshman year with a modest initial investment. Impressed by his success, Frank and Mark joined forces, with Frank handling finance and Mark managing investments.
Over three years, their company flourished under Charlie's innovative leadership, generating consistent profits. However, everything changed with Tina's arrival. Charlie fell deeply for her charms, unaware of her manipulative nature. Tina skillfully wrapped Charlie around her finger, and he began lavishing her with expensive gifts and attention.
As Charlie's infatuation deepened, his business sense faltered. He took out a $1 million loan from a shady lender to purchase a villa for Tina, allegedly for their future marriage. The loan's exorbitant 18% interest rate and ominous terms – failure to repay would result in "necessary compensation" via human organ donation – should have raised red flags. Yet, Charlie's confidence in his earning potential blinded him to the risks.