the holy writ [d7 MA] closedish

[Septon Arlyn]

OOC Feel free to PM and join the conversation if you wish, this conversation is for Yoren Longshore, or NC Ruben Pier.

As the Septon gathered a few of his coins into a pouch from his chambers off the Sept he ventures into the market, looking for a merchant whom might know where he could find a copy of the seven pointed star. It will make a great wedding gift for that adorable lady that I met last night, Corrine I think her name was, and her betrothed, Whom I believe calls himself ben. The Septon sings a merry song as he walks to the market, only to be drown out by the clamor of voices, yelling, haggling and bounteously pronouncing their wares. Arlyn takes a deep breath in, analyzing the scents and sounds, letting the blessed sounds of the smallfolk coming together to share their experiences and exchange their coin. The seven do love a busy market, and most of these people are in a hurry to get what they need before the tournament closes and this market returns to being a sleepy little thing.

He begins his search in the buildings first, seeing if any of the regular shops had begun to cater to their lords obvious love of learning, which was quite noticeable from the size of the library that he had gathered around himself. As Septon Arlyn made his way through the gathered smallfolk they mixed and swirled like a famous mummers in a rehearsed play, laughing at the Septon's jokes and swapping lude jokes of their own, feeling like the Septon was on of them, not a mighty man who did not understand their plight. Finally with some help the Septon made it to the correct sellers stall and began perusing his selection, looking for a grand enough book for a lord or lady could to be proud of, and yet not to grand that it would lose its purpose to teach the lords and ladies the humility that was in its pages.

[Yoren longshore]

"
Septon! Good to meet you today."
Yoren says as he closes on the septon.
"
The seven pointed star? Don't you already have a copy of that? It is a good literary piece. I studied it for a while, it is well worth its reputation."

Yoren smiles gesturing around: "
as a man of the people, how do you feel about these large gatherings of people, do you find it easier or harder to teach?"

[Septon Arlyn]

"
Well hello Yoren! It is good to see you,"
Replies the jovial Septon. "
and of course I have one, this is a wedding gift for a fantastic young lady I met last night. I find that the seven pointed star really has a good impact, it can teach anyone a better way to act. As for teaching,"
The Septon gave a smile thinking about the large bonfire and discussion of religion, "
I find it to really be a double edged sword, Aye there are more people to hear your message, however sometimes those with open hearts to the message you are trying to share find it shut by the loud neighbor whom cares not for the message you are sharing. Hence why I like to meet the small folk were they live, in their huts and hovels, to share the beautiful message contained in these pages,"
replies Arlyn, tapping lovingly on the cover of the seven pointed star. "
However,"
Continues the Septon, turning back to Yoren"
I do find that the larger the group the more likely to find at least one person who is in need of my teaching and will embrace the truths contained in these pages.

"
And how about yourself? How do you feel about these large gatherings?"

[Yoren longshore]

Yoren cannot help but smile: "
my experience with big crowds is somewhat jaded. When Quarth no longer impressed me I knew that my perception was skewed. I have been robbed too many times to enjoy big gatherings. You also loose the possibility of interaction with the increased population."
Yoren then shifts topic: "
You know Dulver, don't you? Rumour has that you work in his lands. Would you have any influence over him, a possibility to whisper in his ear?"

[Septon Arlyn]

"
Aye I know Lord Dulver, He is a strong man with a good head on his shoulders for numbers and running a house and the houses needs, He was in fact sent me as an emassay of sorts to this tournaments."
The Septon narrows is eyes and lowers his voice slightly, "
Is there something that the iron born need? Or is it the red god you speak for today?"
He then gives out a big gruff laugh. "
I thought that it was athleson who spoke for those raiders? Or is that why he was pushing the drowned god and his might makes right speaches?"

[Septon Arlyn]

The Septon turns to the book merchant and pays two gold dragons for the superbly crafted book with beautiful illustrations on the cover page and at the start of each chapter, The yellowing pages offering a glimpse of the age of the book.

[Yoren longshore]

"
Beautiful, absolutely beautiful."
Yoren says as he sees the book.
"
Well, to be quite frank my need for Dulver is one of financing. His wealth is well known, and if anything is said about him it is that he looks out for a good investment..."

Yoren pauses, waiting for the septons reaction.

[Septon Arlyn]

"
Beautiful, absolutely beautiful."
Yoren says as he sees the book.
"
Well, to be quite frank my need for Dulver is one of financing. His wealth is well known, and if anything is said about him it is that he looks out for a good investment..."

Yoren pauses, waiting for the septons reaction.

The septon looks at the red priest and narrows his eyes. well he is a man of God, but that God is red, commonly represented by fire. Fire is a dangerous thing to deal with, but it is also helpful. Life in the north would be impossible without fire, however if a fire grows too large it loses control and can burn everyone and everything, including those who started it and claim to have power over it. the septon gives a small incline of his head, deep in thought, on the other hand he is an iron born raider, maybe even a man who has sallowed the sea and been revived. If there is one thing that could control the fire might it not be a man of the sea?

"
Alright"
, the septon says, carefully weighting his words,"
my lord does not have much in the way of open wealth, but what project are you looking to accomplish, maybe you can even help with a project if my own."

[Yoren longshore]

Yoren shakes his head: "
The wealth of Dulver is famed, the least you may do is being honest with me. I like to trade with people who hold to the truth and that are reliable. I had an agreemen to build a marketplace for the Longshore community, however, my tradepartner backstabbed me and we Longshores do not have the wealth needed for such an action. We borrow 2000 dragons from you and we will pay back 2200 at the end of a 3 years period, for a ten percent interest. Sounds good to you? What is it you may needmy help for?"

[Septon Arlyn]

"
Aye, you have heard that our house has wealth, this is true, but in order to keep wealth you must invest wealth, much like you are asking for us to do for you. Which is what lord dulver has done, and once invested it takes many book keepers to adjust things in order to come up with a lump sum. Our lord dulver has a vested interest in seeing my orphanage complete, however he also would like to increase trade."
The septon stops and thinks. "
Three years is quite a lot of time, 2000 gold dragons is quite a lot of money, and what is going to keep you to your word to pay us back? You are iron born, you have great strength of military. You do not have a lord whom would be sympathetic to our pleas, most likely telling us to "
pay the iron price"
to get back. So tell me. Add the representative of the iron born, what promise do you have to pay us back. What could you offer a 'soft' Greenlanders like lord dulver to ensure that you will pay us back so little? Aye it's ten present, but that is on the total of your debt without any compounding interest.

You see the problem is that you are a risky investment, with no loyalty to the lannisters, there is little need for us to be paid by you. With our houses military we could not hope to force you to pay us back. So tell me your terms. What do you have that you could not live without fire 3 years?"

[Yoren longshore]

"
Marriage is a strong tool, what better way to ensure your investment than by our blood. In addition you yourself may come with me to kraken point to ensure that we will keep our loyalty."

"
If Dulver wishes he may even build a sept on our land, which will definetely help keep your investment safe."

[Septon Arlyn]

"
But Lord Dulver has no unmarried sons and his daughter is yet still a child and not ready for the rigors of womanhood."
The Septon thinks for a while. But does house Longshore not have an Heir? What is his name Roddric? Mayhaps if he came for and stayed a while for lets say three years of training as a squire under Ser Walton Dulver, Roddric can also receive some education under myself in the matters of the soul and watching Lord Dulver can help him learn the intricacies of wealth management."


"
for terms of repayment I believe that yearly payments may be the best option, With an annual interest rate of 10% of 2000 should be a total of about 660? If we divide the original amount of the loan by 3 we should get 660. So lets just make it even and call it 660 gold dragons for the next four years. Unless the Longshores chose to pay off the debt early, then we can negotiate those terms at that time"


Septon Arlyn turns to Yoren and gives him a skeptical look, "
Also I would like to have some assurances that House Longshore will remain the ruling house, I have gathered from the one eyed worshiper of the drowned god that he was voting for the might makes right. This is not good for stability, and stability is what drives trade and prosperity. Do I have the word of House Longshore, and yourself, That should Lord Longshore fall one of his Heirs will stand to take his place?"

[Yoren longshore]

"
660 for the next four years would become much more than 2200, but the annual payment would work. 550 dragons for the next four years would be acceptable for us, and would amount to the proper number. Roddric is unfortunately deceased, but a ward solution could work, although the eldest daughter of Ferris might be a worthwhile substitute. Alya is a good woman, of marriageable age, I am sure that may be arranged."


"
The one eyed one is called Athelstan and is a kinslayer, a pariah, don't worry overly much about him. He is my brother, so you will have to deal with him, I won't stoop to his level of resorting to violence, but i may ensure you that only a fool would follow his lead. The dynasty will continue."

[Septon Arlyn]

"
With your deal you would be getting 2000 gold dragons which Lord Dulver does not have immediately available and only paying back 200 Gold Dragons in three years. This would mean that the funds for the orphanage that I want to build would be away for 3 years."
The Septon gives a small sigh, "
The rate that the iron bank would give you would be closer to 12 % yearly interest, Which is significantly higher then the amount that you are offering, which equates roughly to 3% interest for the term of a 3 year loan."
The Septon shakes his head. "
The Lord Dulver would laugh at me if I offered him such a deal."
He turns back to the colorfully clad ironbon. "
I believe that Lord Dulver might be willing to negotiate with you, but he would be willing to fund half, but he needs reassurance that he is not the sole benefactor."
Septon Arlyns voice becomes firm "
And the interest rate will remain a yearly interest of 10%, there has to be some semblance of profit for himself, His business dealing unfortunately are not as forgiving as his Alms givings."
Replied Arlyn with a sad shake of his head.

[Yoren longshore]

"
Impossible, the first few months we would spend simply outfitting our new market, making that much profit in a year would be impossible. I know of several houses who could vouch for the trustworthy nature, but in the interest of keeping a good reputation I'm afraid that i can not say that those sums would be won at such a rate. I am willing to discuss other means of payment to cement our agreement, however, I'm afraid that if you ask for as much money back as the iron bank would, you will find few desperate enough..."

Yoren bends his neck slightly, coming closer to the septon: "
Does Dulver have no other interest than gold? Our lands are rich in other aspects, and many of these would likely be more beneficial to Dulver... Mayhaps he will be in need for more weight behind his words, maybe upheld with weapons not of his own?"

[Septon Arlyn]

Arlyn's eyes narrow in thought. This ironborn does make a good point... I'm sure that Lord Dulver would like the opportunity to expand his lands without any risk to his own troops. However I would rather not have the men of iron descending on the helpless lords of the faith in the riverlands. Maybe there is a compromise though.

"
Very well, there is something that My Lord Dulver might find of assistance. There has been an offer for house Dulver to provide some assistance in a campaign against some clansmen. Mayhaps you can provide some assistance in that manner to gain some goodwill. But the length of time before the loan is due will be 2 years and the amount will be 500 gold dragons, as a market should take at most 6 months to complete and we can not be the sole backers in this endeavor, this will give you a year and a half to gain the benefits from it and pay us back. Lord Dulver has promised me some capital to build my orphanage, This is a gamble I'm taking with those funds. Do not show that my trust has been misplaced. Also I'm having a hard time understanding something so I will ask you another question, why are you wanting House Dulver to foot the entire bill for your market? 1000 gold dragons is a kingly sum to ask from a minor house such as ours, it is the equivalent of (OOC 10 wealth). Is House Longshore in such finical doldrums that it can not make any contribution to this project of yours themselves?"

[Yoren longshore]

"
It is satisfactory, strength of arms we may provide."

Yoren quicly scrawls down the details of the loan for the septon.
Lord Dulver, by his Retainer Septon Arlyn will provide[5 wealth] for Yoren of house Longshore to be paid back at the end of a two years period. In exchange for this goodwill House longshore will meet up with two hundred men (two units) to fight against clansmen for the duration of a campaign.
"
Sign here and we'll have the business concluded."

Yoren then explains: "
we could fit the whole bill, however our land is seriously underdeveloped. If we have help raising the marketplace we will be able to afford more projects to help our population. With half of the marketplace funded we may raise the other half."

[Septon Arlyn]

"
I think that we have ourselves a deal, on the contingency that we are allowed to teach your sister for that time and strengthen that bond betwixt our houses"
Septon Arlyn, takes the proffered quill and signs in blocky letter his name.

[Yoren longshore]

"
Good, your help will be appreciated."

Yoren then shakes Septon Arlyns hand before copying the contract onto another sheet of paper, taking one and giving the other to the septon.

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