Without wasting a moment, Bai Ningning changed into an outfit fit for the appointment.

She walked to the wardrobe, an idea already forming in her mind.

True, the earlier message analysis suggested a hopeless situation—but once there, things might shift. After all, this older sister was a total newbie with zero experience. Saying she’d do it didn’t mean she actually could.

If Bai Ningning prepared well—polishing both "hardware" and "software"—she might just talk her way out of it.

Hardware meant appearance: dressing modestly to project innocence.

Software meant attitude: apologizing meekly, showing deference.

Combined, this two-pronged strategy was sure to work.

Full of hope, she pulled open the wardrobe.

Modest clothing… none.

The original owner hadn’t just possessed breathtaking beauty—she knew how to wield it. Add summer heat, and the wardrobe held not a single conservative piece.

After searching, only a sailor-style short-sleeved white shirt seemed remotely acceptable.

For bottoms? A row of tiny skirts.

Too breezy. She needed pants.

Minutes later, standing before the mirror, she held a pair of hot pants against her thighs.

No matter how she adjusted them, keeping them secure meant exposing nearly all of her legs.

Nope. Way too revealing.

She settled on the white sailor-style shirt, a black pleated skirt, ankle socks, and white sneakers—a classic JK uniform meant to scream purity and youth.

But in the mirror: the shirt strained high over her generous bust; the skirt hem stopped halfway down her thighs, revealing slender, ivory-white legs.

Purity? Gone. Only youth remained—the kind humming with budding allure.

*This is literally the standard "pure summer girl" outfit!*

Bai Ningning frowned. Clothes fine. Fit fine. Could… the problem be *her*?

Hmm… best not to dwell on that.

She tied her hair into a high ponytail—more aloof, yes, but at least student-like.

Ready.

Face of a pretty middle schooler. Outfit of a high school JK. Bust of an adult. Mind of a college student. Bai Ningning set off.

Qin Yue’s residence, Shuiyue Court, was a high-end city villa.

How upscale? So upscale Bai Ningning circled the wall for ages before spotting the gate.

Dusk fell. Maids exited together through the main gate. Bai Ningning waited until they left, then slipped in where they’d emerged.

She pressed the intercom. Before she could even angle her "innocent cute face" toward the camera—the lock clicked open.

*She knew she’d arrived.*

Inside the living room, Bai Ningning finally faced her creditor.

Memories painted Qin Yue as beautiful—but reality stole her breath.

Stunningly elegant features. A tall frame visible even seated. Loungewear hugging every curve. Her bust, though smaller than Bai Ningning’s, was perfectly proportioned—elegant, not excessive.

Qin Yue sat casually, one leg crossed over the other, black stockings tracing taut calf lines.

Bai Ningning watched, fascinated—but kept her delicate face utterly blank.

Qin Yue studied the girl she hadn’t seen in days.

A little thinner. Fair face looking even younger—once like a third-year middle schooler, now barely second-year.

Her chest… unchanged. Still ample.

Clothes hung loose, buttons straining at the collar.

Skirt hem perilously short. Legs long, straight, impossible to ignore—just like her bust.

Bai Ningning’s planned "two-pronged strategy"? Appearance and attitude.

Reality? Chest and legs.

And they were backfiring spectacularly.

Qin Yue’s composure wavered. Back in her dating days, she’d sneak glances at those very spots—never daring to look openly, not even in dreams. She’d once believed she’d one day have her… only to realize it was bait from that little manipulator.

But now? Everything had changed.

She tamped down the heat in her chest. "How have you been lately?"

She wanted to see remorse. If Bai Ningning seemed truly pitiful, she’d go easy.

Bai Ningning intended the same: show regret, show obedience.

"Eh. Manageable."

Her slightly cool tone, paired with that beautiful, expressionless face, made the words sound like: *Is that all? You’re nowhere near ready.*

Qin Yue let out a cold *hehe*.

Bai Ningning kept her face still—but her heart hammered wildly.

She didn’t know if she’d messed up. Only that her tsundere instincts had kicked in.

And were working against her.

"Since you’re doing so well," Qin Yue switched crossed legs, "let’s cut to the chase. What about the debt?"

*Naturally, I’ll use your method. Why even ask?*

"You already had a plan," Bai Ningning scoffed lightly. "Why pretend?"

Qin Yue felt rationality slipping. She’d had a little wine earlier—normally nothing. But Bai Ningning’s words sent waves of heat surging upward.

"Seems you’ve accepted your fate," Qin Yue sneered. "Good. Hope you don’t cry later."

*Huh? Since when did "civil talk" lead here? Even if it happens… be gentle! My obedient act wasn’t enough?*

Panic flickered. Emotion failed. Time for logic.

*Right. Reason with her. Show concern. Remind her—she’s a total newbie. First time needs care. Makes sense.*

Bai Ningning kept her face cool, voice dry: "I’m fine. Just worried *you’ll* have issues… given your… experience level."

A vein throbbed at Qin Yue’s temple. "Explain."

"Nothing. Just saying—you’re inexperienced. Know your limits." Bai Ningning looked down at her, gaze icy with disdain. "Don’t overexert yourself and hurt your body. I’d feel guilty."

Then—the aloof girl was swept up by furious arms and carried straight toward the bedroom.