MTL - You Might Die If I Get One Treatment - Chapter 11 3 points depend on talent, 97 points depend on hard work and sweat

Unique skill ‘creditor’ which can bet with its debtors on the unpaid debts.

And the ability to take skills and stats!

Kang Yoo-sik’s chance to start a new life at the Hunter Military Academy.

He died at twenty-two—bitter, brilliant, and broken. But death wasn’t the end.Now, Noel wakes up inside a tragic fantasy novel he read long ago... as a nameless extra doomed to die before chapter five. But there’s a catch—this “extra” isn’t ordinary.Armed with future knowledge, a sharp tongue, and a magic talent that defies common sense, Noel won’t just survive.He’ll rewrite the story.Because in this world?The real genius never had a name—until now.

In her previous life, Yvonne Taylor died with hatred. Her stepsister burned her face with sulfuric acid, and her father was brutally murdered by her stepmother. Even Zachary Leinster, her father's best friend and the man who loved her the most, died trying to save her.Yvonne is miraculously reborn and begins her revenge.When she comes back, she is no longer the playful girl everyone knew. In order to take revenge, she applies for a prestigious school, majors in business, caters for her stepmother, and even... marries Zachary Leinster, her father's business competitor and ten years her senior.

“Kind? What’s kind about it? Taking on such quests isn’t being kind. It’s just being a pushover. A total pushover.”As the voices faded behind him, Kai glanced back at them.Me? A pushover? No way.[You have performed a good deed for an NPC in trouble.] [+1 Benevolence.]A reward given for doing a good deed?!Calculative, yet compelling enough to continue doing good deeds whether it’s healing or dealing damage.The Healing Solaris Cleric, Kai’s, journey to conquering MID Online!