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Chapter 10 - CHAPTER 10 — THE FUNDING PROBLEM

The rain had not stopped since dawn. It fell in a steady, whispering curtain outside Blake's office window, turning the city into a watercolor of gray skies and blurred pine silhouettes. The cold seeped into the room, but Blake barely noticed. He sat hunched over his desk, sleeves rolled up, eyes fixed on the spreadsheet glowing on his laptop screen.

He was exhausted—physically, mentally, spiritually—but determination held him upright like rebar inside cracked concrete.

₱3,200,000.

₱1,204,000 on hand.

₱1,996,000 short.

He exhaled slowly, rubbing the bridge of his nose.

He had thirty days.

Thirty days to gather nearly two million pesos.

Thirty days to secure the land.

Thirty days to take the first real step toward saving everyone he loved.

He leaned back in his chair and stared at the ceiling.

He had been through worse.

He had survived worse.

He had lived through the end of the world.

But this—this quiet, suffocating pressure—felt heavier than any monster he had fought in the old timeline.

Because this time, he wasn't fighting for survival.

He was fighting for a future.

---

The Weight of Responsibility

Blake stood and walked to the window, watching the rain streak down the glass. The city below moved in slow motion—students hurrying under umbrellas, jeepneys splashing through puddles, vendors setting up stalls despite the weather.

Life went on.

Normal.

Unaware.

Unbroken.

He pressed a hand against the cold glass.

He thought of his family in the US.

His father, the mining engineer who taught him how to read the land.

His mother, the doctor who worked double shifts but still cooked breakfast for all five children.

His sister, the doctor with three kids who adored him.

His brother in Las Vegas, always joking, always loud, always the life of the party.

His younger brother, the nurse who never complained.

His youngest sister, newly married, full of dreams.

He saw their faces clearly.

He remembered their laughter.

He remembered their warmth.

He remembered losing them.

The old timeline had taken them all.

Without warning.

Without mercy.

Without goodbye.

He closed his eyes.

Not this time.

He would not fail them again.

He returned to his desk and sat down.

Exhausted, yes.

But determined.

He opened the spreadsheet again.

---

Step One: Collecting Receivables

He clicked through the list of pending payments.

₱600,000 total.

If he could collect even half, it would be a start.

He picked up his phone and dialed the Camp 7 client.

"Sir Blake! Good morning."

"Good morning, sir. I'm calling about the final inspection."

"Ah, yes. We can schedule it this week. Friday?"

"Friday works," Blake said. "If everything is in order, can we process the final payment immediately?"

"Of course, sir."

Blake nodded to himself.

One step.

He called the Bakakeng client next.

"Sir, we're still finalizing our budget. Maybe next month?"

Blake closed his eyes.

"I understand," he said gently. "Just keep me updated."

Another call.

Another delay.

He set the phone down.

He couldn't force people.

He couldn't demand money they didn't have.

He needed another plan.

---

Step Two: Evaluating Assets

Blake walked to the storage area behind the office. The smell of oil, metal, and old wood greeted him. Rows of equipment lined the shelves—tools he had collected over years of work.

He ran his fingers along the handle of a concrete cutter.

He lifted a laser leveler.

He checked the condition of a portable generator.

He could sell some of these.

But each sale meant losing efficiency.

Losing capability.

Losing time.

He picked up a heavy-duty drill and weighed it in his hands.

In the old timeline, he had scavenged tools from abandoned sites.

He had fought over equipment.

He had risked his life for a single functioning generator.

Now he was considering selling his own.

He set the drill down.

He couldn't weaken his company.

Not now.

Not when he needed it more than ever.

He exhaled.

He needed another plan.

---

Step Three: New Projects

Back in his office, Blake opened his email.

Three new inquiries.

- A small renovation in Irisan

- A fence construction in Tuba

- A kitchen remodel in San Luis

Small projects.

Small profits.

Small steps.

He replied to all three.

He needed every peso.

He needed momentum.

He needed to keep moving.

---

Step Four: The Emergency Fund

Blake opened the drawer of his desk and pulled out a small envelope.

Inside were two passbooks.

One for him.

One for Marie.

Their emergency fund.

₱300,000.

Money saved for medical emergencies.

For the kids' tuition.

For unexpected expenses.

He stared at the passbooks.

He could use it.

He could justify it.

He could tell himself it was for the family.

But it felt wrong.

It felt like crossing a line.

He placed the passbooks back in the drawer.

Not yet.

Not unless he had no other choice.

---

Step Five: The Hardest Option

Blake stared at his phone.

He could call his parents.

He could call his siblings.

He could ask for help.

They would help him.

They always did.

Filipino families helped each other.

Igorot families helped each other even more.

But he couldn't tell them the truth.

He couldn't explain why he needed the money.

He couldn't say, "I'm building a bunker because the world will end in ninety-three days."

They would worry.

They would panic.

They would think he was losing his mind.

He couldn't burden them.

Not yet.

He set the phone down.

His chest tightened.

He felt alone.

But he wasn't.

He had Marie.

He had her family.

He had Marco.

He had his company.

He had his skills.

He had the system.

He just needed to keep going.

---

A Knock on the Door

A soft knock broke the silence.

"Sir Blake?"

Marco stepped inside, rainwater dripping from his jacket.

"I was nearby," he said. "Thought I'd drop by."

Blake nodded. "Come in."

Marco sat across from him. "You look tired."

Blake gave a tired smile. "Just numbers."

Marco leaned forward. "Tell me what you need."

Blake hesitated.

He couldn't tell him everything.

But he could tell him enough.

"I'm short on funds," Blake said quietly. "I need to secure the land. I need to start the project."

Marco nodded slowly.

"How much?"

"Two million."

Marco whistled softly. "That's… a lot."

"I know."

Marco rubbed his chin. "I don't have that kind of money. But I can help in other ways."

Blake looked up.

"Like what?"

Marco smiled.

"Manpower. Equipment. Labor. Whatever you need. Just tell me when."

Blake felt something loosen in his chest.

Relief.

Gratitude.

Hope.

"Thank you," he said softly.

Marco stood. "We're family. That's what we do."

He left the office.

Blake sat in silence.

He wasn't alone.

He never had been.

---

The Decision

That night, Blake sat at the dining table with Marie. The kids were asleep. The house was quiet.

Marie placed a cup of warm salabat in front of him.

"You're thinking again," she said gently.

Blake nodded.

"I need to use our emergency fund," he said quietly.

Marie didn't flinch.

She didn't hesitate.

She simply said:

"Then use it."

Blake looked at her.

"You're not angry?"

"No," she said softly. "Because I trust you. And because family comes first."

He closed his eyes.

He felt the weight of her trust.

He felt the weight of his responsibility.

He felt the weight of the future.

He opened his eyes.

He would find the rest.

He would make it work.

He would not fail.

---

The next morning, Blake woke before sunrise. The sky outside was still dark, the rain reduced to a soft drizzle tapping against the roof. The house was quiet—Marie asleep beside him, the kids curled up in their rooms, the world still wrapped in the fragile calm of early dawn.

He sat at the edge of the bed, elbows on his knees, staring at the floor.

He felt the exhaustion in his bones.

But beneath it, a steady flame burned.

Determination.

He stood, washed his face, and brewed coffee in the kitchen. The aroma filled the small space, warm and grounding. He took a slow sip, letting the bitterness settle his thoughts.

He had made his decision.

He would use the emergency fund.

He would collect receivables.

He would take new projects.

He would sell what he could.

He would negotiate every peso.

He would find the remaining ₱1.7 million.

He had no choice.

---

The Transfer

At 7:12 AM, Blake logged into his online banking app. His fingers hovered over the screen for a moment.

₱300,000 — Emergency Fund

₱1,204,000 — Liquid Cash

₱1,504,000 — New Total

He exhaled slowly.

He was still short.

But the gap was smaller now.

He closed the app and leaned back in his chair.

He had twenty-nine days left.

---

The Pressure of Time

By mid-morning, Blake was at the construction office. The rain had stopped, leaving the air cold and heavy with moisture. His staff greeted him as he entered.

"Good morning, Sir Blake!"

"Morning, sir!"

He nodded, offering small smiles, but his mind was elsewhere.

He sat at his desk and opened his planner.

Day 1 of 30 — Funding Deadline

Day 93 of 97 — Apocalypse Countdown

He stared at the numbers.

Two countdowns.

Two ticking clocks.

Two futures hanging in the balance.

He took a deep breath and began writing tasks.

- Collect Camp 7 payment

- Follow up Bakakeng

- Push Loakan roofing completion

- Finalize Pacdal interior

- Accept Irisan renovation

- Accept Tuba fence project

- Accept San Luis kitchen remodel

- Sell unused equipment

- Explore short-term loan options

- Prepare land payment schedule

The list filled the page.

He felt the weight of it settle on his shoulders.

But he didn't flinch.

He had carried heavier burdens before.

---

A Call from Camp 7

At 10:43 AM, his phone rang.

"Sir Blake, we're ready for inspection."

Blake grabbed his keys. "I'll be there in twenty minutes."

The drive to Camp 7 was quiet, the roads still slick from the rain. The townhouse project stood at the end of a narrow street, freshly painted, clean, and ready for turnover.

The client greeted him warmly.

"Sir Blake! Everything looks great."

Blake walked through the unit, checking details—tile alignment, paint finish, plumbing, electrical outlets. Everything was in order.

"Sir," the client said, "we'll process the final payment today. Expect it by this afternoon."

Blake nodded. "Thank you."

He shook the client's hand and stepped outside.

The cold air hit him.

₱350,000 incoming.

One step closer.

---

The Unexpected Delay

Back at the office, Blake received an email.

Subject: Bakakeng Project — Payment Delay

He opened it.

"Sir, we apologize. Our budget is tight this month. We can only release ₱50,000 for now. The remaining ₱150,000 will be next month."

Blake closed his eyes.

He couldn't blame them.

People had their own struggles.

Families had their own burdens.

But the delay hurt.

He needed every peso.

He took a deep breath and replied politely.

"Thank you for the update. Please keep me posted."

He leaned back in his chair.

He had to adjust.

He had to adapt.

He had to keep moving.

---

The New Projects

By noon, Blake had secured three new small projects:

- Irisan renovation — ₱120,000

- Tuba fence — ₱80,000

- San Luis kitchen remodel — ₱150,000

Total: ₱350,000

Not all profit, but enough to help.

He scheduled site visits, prepared quotations, and assigned teams.

Marco arrived at the office around 1 PM.

"Sir Blake," he said, "my crew is ready. Just tell us when to start."

Blake nodded. "Soon. Very soon."

Marco grinned. "We'll make it happen."

Blake felt a small spark of hope.

Family wasn't just blood.

Family was the people who showed up.

---

The Loan Option

At 3 PM, Blake visited a local cooperative. The office smelled of old paper and disinfectant, the walls lined with posters about savings and community programs.

A staff member greeted him.

"Good afternoon, sir. How can we help you?"

"I'm exploring loan options," Blake said.

They sat at a small desk.

The staff member explained the terms:

- Maximum loan: ₱500,000

- Interest: manageable

- Processing time: 7–10 days

- Requirements: business documents, collateral, financial statements

Blake listened carefully.

He could do it.

He could gather the documents.

He could secure the loan.

But the processing time…

Seven to ten days.

He didn't have that luxury.

Still, he filed the application.

Every option mattered.

---

The Evening Breakdown

By the time Blake returned home, the sky had darkened. The rain had returned, heavier now, drumming against the roof like a relentless reminder of time slipping away.

Marie met him at the door.

"You're late," she said softly.

"Sorry," Blake murmured.

She touched his arm. "Come eat."

He sat at the table, but the food tasted distant. His mind was still calculating numbers, deadlines, risks.

Marie watched him quietly.

"You're carrying too much," she said.

Blake didn't answer.

He couldn't.

He didn't know how to explain the weight of two families.

The weight of the future.

The weight of the world.

He stood abruptly.

"I need air."

He stepped outside into the cold rain.

The street was quiet, the fog rolling in from the mountains. He leaned against the wall, letting the rain soak his hair, his clothes, his skin.

He felt the exhaustion finally catch up to him.

He felt the fear.

He felt the pressure.

He felt the countdown.

He closed his eyes.

He whispered into the rain:

"I can't fail them. Not again."

---

The System's Reminder

A soft pulse echoed in his mind.

Not intrusive.

Not loud.

Just a quiet presence.

---

[Objective: Secure Remaining Funds]

[Time Remaining: 92 Days]

---

Blake opened his eyes.

He straightened.

He breathed.

He wiped the rain from his face.

He walked back inside.

Marie looked at him, worry in her eyes.

He forced a small smile.

"One step at a time," he said.

She nodded.

And for the first time that day, he believed it.

---

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