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... ded the upper limit by changing the annual interest rate of 20% to 20% per season, which equates to a staggering 40% per year. Many officials even set the rate higher, reaching up to 100% interest like those in private lending.

As for the "voluntary participation without suppression," it was basically not implemented. It was impossible to determine which were voluntary and which were enforced contributions.

After enforcing the contributions, the officials could easily claim that ...

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