Congratulation for another success loan. I can only admire how Bank of Neoxian take the risk.

Whether there is a real hell or heaven, we do not know they exist or not. "It just people say so". Devilish? If people agree to the agreement beforehand, then they should not argue for it. In the ancient Chinese hell story, they can spend hell notes there while heaven can't. Which one is better? That will have to wait until the afterlife. 😆