The Kyoto Bubble Era: Starting from the Sale of Hundreds of Millions of Properties
Chapter 5 The Best Sub-branch
Chapter 5 The Best Sub-branch
3 p.m. exactly.
Tokyo Industrial Bank Osaka Chuo-ku branch, conference room, weekly regular meeting within the bank.
Because of the delay downstairs for a while, when Kitahara Sosuke arrived, the other participants were already seated.
With a majestic appearance, the president Naoto Asano, who just turned [-] this year, supported his chin with his hands and glanced at everyone solemnly. After Kitahara Sosuke sat down, he announced, "The regular meeting is officially started."
"Department President, this is today's meeting materials." Fujiwara Norika, who was sitting upright, pushed a document in a low voice, leaned her little head closer, and muttered softly, "During the morning meeting, I heard that Department Chief Oshima turned to Hei. Section Chief Tian told you that you are black."
Due to the sudden incident, Kitahara Sosuke did not submit a written application for leave to his immediate supervisor, the head of the financing section, Kuroda Yu. After missing the morning meeting of the financing section in the morning, the first department department Oshima Mitsuo vaguely expressed this matter. own dissatisfaction.
At this moment, Mitsuo Oshima, who was sitting not far away, noticed the eyes projected by Kitahara Canosuke, leaned back slightly with his plump body, and returned a look full of goodwill.
This is the bank.
Everyone maintains the most intimate relationship on the surface, but maybe the other party has stabbed you with a fatal knife in the back.
"Understood." Beiyuan Cangjie's face was calm, but he just glanced at Mitsuo Oshima, who was smiling, and returned a bright smile.
Fujiwara Norika saw that the head of the department looked indifferent, pouted, and sighed silently.The head of his own department is good at everything, but sometimes his sense of smell in the workplace is too bad. The head of the Department of Oshima bullied him so many times, and every time he swallowed his voice, he was really mad at her!
Right in front, Naoto Asano just finished his routine speech. He paused, cleared his throat, and sat first on the left, the head of the first financing class, Yu Kuroda, immediately served tea graciously, and stood with a very high attitude. humble.
Hiroshi Kuroda has gray hair and is 52 years old this year. He is still three years away from the 55-year-old standard when bank employees retire to the second line. This age is the oldest in the entire branch.
But he is not old. Last year, the financing class won the Best Department Award with the efforts of the three department heads. If he wins again this year, he will have the opportunity to be transferred to the branch headquarters.
Branches and sub-branches, the difference between words, but the benefits after retirement are worlds apart.
In order to climb up, Kuroda Yu, who is 12 years older than Naoto Asano, served him like a rookie, often serving tea and water, and running errands. Several other class leaders looked down on him, and privately ridiculed him as "" Old errands".
After simply arranging the situation in the bank, Kitahara Canosuke focused his attention on the customer list of the three financing departments in his hand, and did not listen to Naoto Asano's speech at all.
After disposing of all the assets under his name, he will have a start-up capital of nearly 140 million yen, which is equivalent to [-] million rice gold at the current exchange rate between the Japanese yen and rice gold!
In 1989, he owned 140 million meters of gold and had no assets or liabilities under his name. This is undoubtedly Tianhu's start.
He can even leave RB with this money and live an enviably rich life wherever he goes.
But leaving is not his character.
Traveling back to the last prosperous era of the bubble economy, if you just go to another country to repeat the life of a billionaire, Kitahara Sosuke will only feel boring and have no experience.
He became a financial tycoon at a young age in his previous life, but Beiyuan Cangsuke was not satisfied. He wanted more and wanted to go up. However, the fact gave him a hard slap in the face. At that time, the domestic environment It is easy to become a billionaire, but it is extremely difficult to build a financial empire.
He has the advantage of youth, but also suffers from the disadvantage of youth. His opponents are already formed one by one.
But now it's different!
In the era of bubble economy, although the environment will be extremely bad, opportunities will come one after another. This is the only chance for him to get rid of the shackles, break the shackles, and achieve more lofty ideals!
At this time, the RB economy is still under the control of the six major financial groups, but with the subsequent bubble burst and the Asian financial crisis, the six major financial groups will also face a major reshuffle, and this is his time.
When the cards are shuffled, he is eligible to bring capital to the table and head towards the more central Chiyoda district in Tokyo.
Kitahara Sosuke's thinking is very clear, culture, service and high-tech are the best industries to rise after the bubble burst, and they are precisely the biggest victims of the bubble era at this time.
Everyone is doing real estate and stocks. If the real industry and manufacturing are not transformed, life will be very difficult.
He just looked through the customer list of the next three series. Many companies that have not been in contact for a long time are mostly high-tech manufacturing companies. They were also a major pillar of Osaka's economy. However, nowadays, those who do not want to transform are basically listed as banks. Inferior customers will not be contacted.
It is Kitahara Canosuke's first goal to use the funds at hand to control and master the currently sluggish high-tech manufacturing industry, and use the power of the bank to take them down.
It just so happens that these companies are living a very difficult life, and it is estimated that they are waiting for the savior to come every day.
Right in front, Naoto Asano said with impassioned spittle.
On the side, Fujiwara Norika tried her best to memorize notes, looking like a good student of Miyoshi.
She is the youngest employee in the meeting. This kind of regular meeting can only be attended by the director and above. It is a good opportunity to learn from the seniors. Of course, she will not miss it.
Seeing the absent-minded appearance of her own department head, Fujiwara Norika couldn't help but gently poked Kitahara Sosuke with a pen with a resentful expression on her face. She didn't want to repeat the meeting to the department head after the meeting was over.
Kitahara Canosuke was stunned for a moment, just as Naoto Asano said loudly, "Everyone, as the end of the year is approaching, everyone has done a great job this year, but there is still a month left, please don't relax!"
"Last year, our bank was honored to be rated as the best sub-branch in the Osaka area. President Kurosawa of the branch told me privately that if we can be selected as the best sub-branch for two consecutive years, then all employees of our central sub-branch will have the opportunity to receive a A huge bonus, although it is just a private chat, but I believe that President Kurosawa will not talk nonsense at will.”
Naoto Asano's voice was loud, and the amount of the bonus in his mouth was very tempting. Hearing the hearts of several young directors, the several department heads and section heads who had been through the storm remained calm and listened quietly.
Kitahara Cansuke chuckled in his heart. He had told employees about this rhetoric over a thousand times in his previous life. After all, promotion and salary increase are the goals of all workers, especially those young people who are easily motivated. Under the provocation, he will become full of energy and work hard for the company.
When it's time for the promise to be fulfilled, give a discount, or make excuses, and give some new expectations, and it's easy to fool the past.
Fujiwara Norika's face flushed red when she heard this, and she secretly clenched her fists. It seemed that she was also infected.
"There is only one month left until the final settlement period proposed by the branch. At the reception the day before yesterday, I asked my colleagues in the statistics department of the branch that the financing amount of the Osaka Kita Sub-branch and Tennoji Sub-branch is second only to our bank. It’s hard to say whether it will catch up with us within a month. To this end, we must redouble our efforts and must not relax! After calculation, as long as we can complete the financing quota of more than 5 million this month, we will sit firmly in the first branch. the throne!"
Having said that, Naoto Asano, who had a somewhat excited expression, stood up suddenly and bowed to the crowd.
"This month, please everyone!"
Hearing the phrase "5 million", Kitahara Sosuke, who had always had a relaxed expression, finally slowly frowned.
This loan amount is evenly divided, and the four financing courses have to bear at least 1 million in each, plus the original pressure, from the perspective of the avalanche situation that follows, the financing course will be completely overwhelmed.
Kitahara Cansuke opened the information in front of him, and after checking it, his expression became more serious.
The current situation of the sub-branch is worse than he expected. For this so-called best sub-branch, they have issued too many unstable loans, and almost all of them are concentrated in the housing market and the stock market. In addition to these 5 million, it is probably not just financing that will collapse. a lesson.
He remembered that the Tokyo Industrial Bank in his previous life had debts as high as 900 billion yen after the bubble economy burst. In order to survive, he had to merge with the Tokyo Bank of Foreign Affairs. Most of the debts of the 900 billion yen came from this period. Lots of bad loans.
Before the merger, Dongsan started laying off staff and reducing salaries, and even canceled the organization. Kitahara Sosuke did not know if the Osaka Chuo District Sub-branch had survived this wave of catastrophe in the previous life, but from the information at hand, if there is another 5 million release next month. Mortgage loan, that branch is very likely to be forcibly cancelled due to a large number of bad debts.
Considering this possibility, Kitahara Sosuke had to adjust his plans slightly.
After leaving the conference room, Kuroda Yuichi waved and motioned them to go to the small conference room for an impromptu meeting within the class.
"I heard that President Asano has been running around for everyone's year-end bonus recently, but it's really scary to need 5 million." Fujiwara Norika, who followed Kitahara Sosuke with small steps, held a lot of materials in both hands. Both happy and worried.
"I also heard that President Asano has been running to the head office recently, and the Vice President Kishimoto of the Osaka branch will retire next year. If he can lead his sub-branch to win the title of the best sub-branch for two consecutive years, he may not be promoted after the event. This is the chance." Kitahara Canosuke shook his head, feeling helpless to his young assistant, "Fujiwara, don't listen to some messy rumors."
"I, how can I?" Norika Fujiwara stuck out her tongue. She usually works very rigorously and seriously, but occasionally because she is keen on gossip, she will ask some "inside news" from some of the same period, hoping to rely on this information to judge the decision-making in the industry Wind direction, maybe you can also predict some actions of the head office.
After working together for a year, Fujiwara Norika didn't communicate much with Kitahara Sosuke, but she also found out the temper of this immediate boss. He seemed reticent, but he was very good to his junior and junior.
But usually, in the face of these words of his own, Department Head Beiyuan rarely commented, and he always felt that he was a little different from before.
After thinking for a while, Fujiwara Norika couldn't think of the difference between Kitahara Canosuke, so she ignored it for the time being and quickly followed.
As soon as he entered the small conference room, Mitsuo Oshima closed the door, his chubby body was blocked at the door, he greeted Kitahara Sosuke and Sakurai Saeko with a smile on his face, and then glanced behind Kitahara Aosuke. Fujiwara Norika, the corners of her mouth slightly curled up.
After the morning meeting, he deliberately asked his director Lin Yuanxiang to tell Fujiwara Norika about his "backstabbing Kitahara Canosuke" at the meeting, believing that this little girl who had not yet grown her hair had already angrily told this story. The retelling was given to Kitahara Sosuke.
Young man, you just can't hold your breath.
He believed that Kitahara Canosuke would not be able to bear this suffocating loss. As long as he took the initiative to take action at this meeting, he would have countless ways to make him even more embarrassed.
"Sit down, everyone is busy with their work, so I won't waste everyone's time." After leaving the conference room, Kuroda Yu, who had been in a servile state, straightened up again and regained the dignity that a class leader should have." Two things, first, the financing mission that President Asano said; second, this year's best department award."
In the small conference room, only Kuroda Yukata and the three department heads could sit, while the other directors stood respectfully and remained silent.
Kitahara Canosuke just had time to look at the two colleagues who get along day and night, the first is Mitsuo Nagashima, and the second is Sakurai Saeko.
Mitsuo Oshima is a kind-looking, fat man. He is 36 years old and treats people kindly. He is an old backbone of the financing class and an old employee of the branch.
In my memory, Kitahara Canosuke has dealt with him a lot of times, and he has been tricked several times, but every time the other party is under the banner of being good for him, and the original body has not experienced much workplace battles, so they all swallowed it up. .
What happened this morning not only backstabbed himself, but also secretly pitted a young Fujiwara Norika. If he continued to play like this, Kitahara Canosuke wouldn't mind giving him a big surprise.
Compared to the fairly good workplace means, his business ability is very general, which is one of the reasons why Oshima Mitsuo has never been able to climb up.
Self-righteous smiling tiger.Kitahara Canosuke gave a silent evaluation in his heart.
On the other side, Saeko Sakurai, who is tall and handsome, is 28 years old this year. She graduated from the Finance Department of Yingqing University. The personal ability brought out is extremely outstanding.
Women are very vulnerable to discrimination and unfair treatment in the RB workplace. Sakurai Sakurai, who is a branch of the Chuo District branch, acts resolutely and has a good reputation. She is not hindered by her gender.
It is the exact opposite of Mitsuo Oshima.
A workaholic, Kitahara Canosuke gave her an evaluation in her heart.
Seemingly noticing Kitahara Sosuke's gaze, Sakurai Saeko turned his head slightly, his glamorous eyes swept away, then nodded politely, and turned back again.
Kitahara Canosuke added a new adjective to her, "beautiful iceberg".
(End of this chapter)
3 p.m. exactly.
Tokyo Industrial Bank Osaka Chuo-ku branch, conference room, weekly regular meeting within the bank.
Because of the delay downstairs for a while, when Kitahara Sosuke arrived, the other participants were already seated.
With a majestic appearance, the president Naoto Asano, who just turned [-] this year, supported his chin with his hands and glanced at everyone solemnly. After Kitahara Sosuke sat down, he announced, "The regular meeting is officially started."
"Department President, this is today's meeting materials." Fujiwara Norika, who was sitting upright, pushed a document in a low voice, leaned her little head closer, and muttered softly, "During the morning meeting, I heard that Department Chief Oshima turned to Hei. Section Chief Tian told you that you are black."
Due to the sudden incident, Kitahara Sosuke did not submit a written application for leave to his immediate supervisor, the head of the financing section, Kuroda Yu. After missing the morning meeting of the financing section in the morning, the first department department Oshima Mitsuo vaguely expressed this matter. own dissatisfaction.
At this moment, Mitsuo Oshima, who was sitting not far away, noticed the eyes projected by Kitahara Canosuke, leaned back slightly with his plump body, and returned a look full of goodwill.
This is the bank.
Everyone maintains the most intimate relationship on the surface, but maybe the other party has stabbed you with a fatal knife in the back.
"Understood." Beiyuan Cangjie's face was calm, but he just glanced at Mitsuo Oshima, who was smiling, and returned a bright smile.
Fujiwara Norika saw that the head of the department looked indifferent, pouted, and sighed silently.The head of his own department is good at everything, but sometimes his sense of smell in the workplace is too bad. The head of the Department of Oshima bullied him so many times, and every time he swallowed his voice, he was really mad at her!
Right in front, Naoto Asano just finished his routine speech. He paused, cleared his throat, and sat first on the left, the head of the first financing class, Yu Kuroda, immediately served tea graciously, and stood with a very high attitude. humble.
Hiroshi Kuroda has gray hair and is 52 years old this year. He is still three years away from the 55-year-old standard when bank employees retire to the second line. This age is the oldest in the entire branch.
But he is not old. Last year, the financing class won the Best Department Award with the efforts of the three department heads. If he wins again this year, he will have the opportunity to be transferred to the branch headquarters.
Branches and sub-branches, the difference between words, but the benefits after retirement are worlds apart.
In order to climb up, Kuroda Yu, who is 12 years older than Naoto Asano, served him like a rookie, often serving tea and water, and running errands. Several other class leaders looked down on him, and privately ridiculed him as "" Old errands".
After simply arranging the situation in the bank, Kitahara Canosuke focused his attention on the customer list of the three financing departments in his hand, and did not listen to Naoto Asano's speech at all.
After disposing of all the assets under his name, he will have a start-up capital of nearly 140 million yen, which is equivalent to [-] million rice gold at the current exchange rate between the Japanese yen and rice gold!
In 1989, he owned 140 million meters of gold and had no assets or liabilities under his name. This is undoubtedly Tianhu's start.
He can even leave RB with this money and live an enviably rich life wherever he goes.
But leaving is not his character.
Traveling back to the last prosperous era of the bubble economy, if you just go to another country to repeat the life of a billionaire, Kitahara Sosuke will only feel boring and have no experience.
He became a financial tycoon at a young age in his previous life, but Beiyuan Cangsuke was not satisfied. He wanted more and wanted to go up. However, the fact gave him a hard slap in the face. At that time, the domestic environment It is easy to become a billionaire, but it is extremely difficult to build a financial empire.
He has the advantage of youth, but also suffers from the disadvantage of youth. His opponents are already formed one by one.
But now it's different!
In the era of bubble economy, although the environment will be extremely bad, opportunities will come one after another. This is the only chance for him to get rid of the shackles, break the shackles, and achieve more lofty ideals!
At this time, the RB economy is still under the control of the six major financial groups, but with the subsequent bubble burst and the Asian financial crisis, the six major financial groups will also face a major reshuffle, and this is his time.
When the cards are shuffled, he is eligible to bring capital to the table and head towards the more central Chiyoda district in Tokyo.
Kitahara Sosuke's thinking is very clear, culture, service and high-tech are the best industries to rise after the bubble burst, and they are precisely the biggest victims of the bubble era at this time.
Everyone is doing real estate and stocks. If the real industry and manufacturing are not transformed, life will be very difficult.
He just looked through the customer list of the next three series. Many companies that have not been in contact for a long time are mostly high-tech manufacturing companies. They were also a major pillar of Osaka's economy. However, nowadays, those who do not want to transform are basically listed as banks. Inferior customers will not be contacted.
It is Kitahara Canosuke's first goal to use the funds at hand to control and master the currently sluggish high-tech manufacturing industry, and use the power of the bank to take them down.
It just so happens that these companies are living a very difficult life, and it is estimated that they are waiting for the savior to come every day.
Right in front, Naoto Asano said with impassioned spittle.
On the side, Fujiwara Norika tried her best to memorize notes, looking like a good student of Miyoshi.
She is the youngest employee in the meeting. This kind of regular meeting can only be attended by the director and above. It is a good opportunity to learn from the seniors. Of course, she will not miss it.
Seeing the absent-minded appearance of her own department head, Fujiwara Norika couldn't help but gently poked Kitahara Sosuke with a pen with a resentful expression on her face. She didn't want to repeat the meeting to the department head after the meeting was over.
Kitahara Canosuke was stunned for a moment, just as Naoto Asano said loudly, "Everyone, as the end of the year is approaching, everyone has done a great job this year, but there is still a month left, please don't relax!"
"Last year, our bank was honored to be rated as the best sub-branch in the Osaka area. President Kurosawa of the branch told me privately that if we can be selected as the best sub-branch for two consecutive years, then all employees of our central sub-branch will have the opportunity to receive a A huge bonus, although it is just a private chat, but I believe that President Kurosawa will not talk nonsense at will.”
Naoto Asano's voice was loud, and the amount of the bonus in his mouth was very tempting. Hearing the hearts of several young directors, the several department heads and section heads who had been through the storm remained calm and listened quietly.
Kitahara Cansuke chuckled in his heart. He had told employees about this rhetoric over a thousand times in his previous life. After all, promotion and salary increase are the goals of all workers, especially those young people who are easily motivated. Under the provocation, he will become full of energy and work hard for the company.
When it's time for the promise to be fulfilled, give a discount, or make excuses, and give some new expectations, and it's easy to fool the past.
Fujiwara Norika's face flushed red when she heard this, and she secretly clenched her fists. It seemed that she was also infected.
"There is only one month left until the final settlement period proposed by the branch. At the reception the day before yesterday, I asked my colleagues in the statistics department of the branch that the financing amount of the Osaka Kita Sub-branch and Tennoji Sub-branch is second only to our bank. It’s hard to say whether it will catch up with us within a month. To this end, we must redouble our efforts and must not relax! After calculation, as long as we can complete the financing quota of more than 5 million this month, we will sit firmly in the first branch. the throne!"
Having said that, Naoto Asano, who had a somewhat excited expression, stood up suddenly and bowed to the crowd.
"This month, please everyone!"
Hearing the phrase "5 million", Kitahara Sosuke, who had always had a relaxed expression, finally slowly frowned.
This loan amount is evenly divided, and the four financing courses have to bear at least 1 million in each, plus the original pressure, from the perspective of the avalanche situation that follows, the financing course will be completely overwhelmed.
Kitahara Cansuke opened the information in front of him, and after checking it, his expression became more serious.
The current situation of the sub-branch is worse than he expected. For this so-called best sub-branch, they have issued too many unstable loans, and almost all of them are concentrated in the housing market and the stock market. In addition to these 5 million, it is probably not just financing that will collapse. a lesson.
He remembered that the Tokyo Industrial Bank in his previous life had debts as high as 900 billion yen after the bubble economy burst. In order to survive, he had to merge with the Tokyo Bank of Foreign Affairs. Most of the debts of the 900 billion yen came from this period. Lots of bad loans.
Before the merger, Dongsan started laying off staff and reducing salaries, and even canceled the organization. Kitahara Sosuke did not know if the Osaka Chuo District Sub-branch had survived this wave of catastrophe in the previous life, but from the information at hand, if there is another 5 million release next month. Mortgage loan, that branch is very likely to be forcibly cancelled due to a large number of bad debts.
Considering this possibility, Kitahara Sosuke had to adjust his plans slightly.
After leaving the conference room, Kuroda Yuichi waved and motioned them to go to the small conference room for an impromptu meeting within the class.
"I heard that President Asano has been running around for everyone's year-end bonus recently, but it's really scary to need 5 million." Fujiwara Norika, who followed Kitahara Sosuke with small steps, held a lot of materials in both hands. Both happy and worried.
"I also heard that President Asano has been running to the head office recently, and the Vice President Kishimoto of the Osaka branch will retire next year. If he can lead his sub-branch to win the title of the best sub-branch for two consecutive years, he may not be promoted after the event. This is the chance." Kitahara Canosuke shook his head, feeling helpless to his young assistant, "Fujiwara, don't listen to some messy rumors."
"I, how can I?" Norika Fujiwara stuck out her tongue. She usually works very rigorously and seriously, but occasionally because she is keen on gossip, she will ask some "inside news" from some of the same period, hoping to rely on this information to judge the decision-making in the industry Wind direction, maybe you can also predict some actions of the head office.
After working together for a year, Fujiwara Norika didn't communicate much with Kitahara Sosuke, but she also found out the temper of this immediate boss. He seemed reticent, but he was very good to his junior and junior.
But usually, in the face of these words of his own, Department Head Beiyuan rarely commented, and he always felt that he was a little different from before.
After thinking for a while, Fujiwara Norika couldn't think of the difference between Kitahara Canosuke, so she ignored it for the time being and quickly followed.
As soon as he entered the small conference room, Mitsuo Oshima closed the door, his chubby body was blocked at the door, he greeted Kitahara Sosuke and Sakurai Saeko with a smile on his face, and then glanced behind Kitahara Aosuke. Fujiwara Norika, the corners of her mouth slightly curled up.
After the morning meeting, he deliberately asked his director Lin Yuanxiang to tell Fujiwara Norika about his "backstabbing Kitahara Canosuke" at the meeting, believing that this little girl who had not yet grown her hair had already angrily told this story. The retelling was given to Kitahara Sosuke.
Young man, you just can't hold your breath.
He believed that Kitahara Canosuke would not be able to bear this suffocating loss. As long as he took the initiative to take action at this meeting, he would have countless ways to make him even more embarrassed.
"Sit down, everyone is busy with their work, so I won't waste everyone's time." After leaving the conference room, Kuroda Yu, who had been in a servile state, straightened up again and regained the dignity that a class leader should have." Two things, first, the financing mission that President Asano said; second, this year's best department award."
In the small conference room, only Kuroda Yukata and the three department heads could sit, while the other directors stood respectfully and remained silent.
Kitahara Canosuke just had time to look at the two colleagues who get along day and night, the first is Mitsuo Nagashima, and the second is Sakurai Saeko.
Mitsuo Oshima is a kind-looking, fat man. He is 36 years old and treats people kindly. He is an old backbone of the financing class and an old employee of the branch.
In my memory, Kitahara Canosuke has dealt with him a lot of times, and he has been tricked several times, but every time the other party is under the banner of being good for him, and the original body has not experienced much workplace battles, so they all swallowed it up. .
What happened this morning not only backstabbed himself, but also secretly pitted a young Fujiwara Norika. If he continued to play like this, Kitahara Canosuke wouldn't mind giving him a big surprise.
Compared to the fairly good workplace means, his business ability is very general, which is one of the reasons why Oshima Mitsuo has never been able to climb up.
Self-righteous smiling tiger.Kitahara Canosuke gave a silent evaluation in his heart.
On the other side, Saeko Sakurai, who is tall and handsome, is 28 years old this year. She graduated from the Finance Department of Yingqing University. The personal ability brought out is extremely outstanding.
Women are very vulnerable to discrimination and unfair treatment in the RB workplace. Sakurai Sakurai, who is a branch of the Chuo District branch, acts resolutely and has a good reputation. She is not hindered by her gender.
It is the exact opposite of Mitsuo Oshima.
A workaholic, Kitahara Canosuke gave her an evaluation in her heart.
Seemingly noticing Kitahara Sosuke's gaze, Sakurai Saeko turned his head slightly, his glamorous eyes swept away, then nodded politely, and turned back again.
Kitahara Canosuke added a new adjective to her, "beautiful iceberg".
(End of this chapter)
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