After Lawrence procures a certificate from the guild manager, named Jacob Tarantino, he goes to the Lemerio Trading Company to sell his armor. To his horror, he discovers that the armor market has crashed and that he now holds a very large debt and worthless goods. Lawrence is now faced with an ultimatum to pay back the debt in two days to Hans Lemerio, head of the Lemerio Trading Company, or be rendered bankrupt and thus be thrown out of society entirely. He desperately tries to find merchants willing to lend him money, but each and every one turns him down. He realizes the merchants are unwilling to aid him because of his unmarried relationship with Holo, and, in a fit of rage, takes out his frustration on her. Even after Lawrence tries to apologize to her, Holo tells him that she is heading back to the inn for now.