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Loan Shark (トイチ, Toichi—lit. "10% Interest Every 10 Days") is the 211th chapter of the Hunter × Hunter manga, written and illustrated by Yoshihiro Togashi.

Synopsis[]

The interest piles up once again, and the numbers on the creature's forehead increase to 254. Knuckle informs Gon that the name of his ability is Hakoware and that the little mascot is called A.P.R. ("Amortizing Power Redirector"). Gon punches A.P.R., but Knuckle says that it's pointless to attack him since he's only there to announce the increase in interest, adding that he's both harmless and indestructible.

The interest increases once again, and as the announcement distracts Gon, Knuckle quickly rushes in and punches him hard in the face. Gon notes that he again didn't feel any pain from the attack, but instead feels himself overflowing with aura. The interest goes up yet again, but the amount nearly doubles, leaving Gon shocked. Knuckle explains that it was because he lent him around 180 aura, and with Gon still confused about the different numbers, Knuckle further explains that 180 aura is a numerical expression of his energy. As aura is stored inside a person's body, the maximum amount a person has varies based on training (so too with the amount of aura someone can release at once). Knuckle says that even if Gon has a lot of potential aura power, his lack of training means he can release less actual aura power.

Chap 211 - Gon overwhelmed by Knuckle's explanation

Gon overwhelmed by Knuckle's explanation

Gon is confused by the various terms, and Knuckle says that Gon's maximum actual aura power he can use through Ken seems to be around 1,800. A.P.R.'s interest continues to increase, and Knuckle explains that in preparing for combat, a person expends around 1 aura per second, but once they start to employ more advanced techniques like Gyo and Ryu, consumption can increase six to ten times more. He tells Gon that since he can't control his aura well, he expends about 10 a second, thereby using 600 aura every minute during combat. And since Gon ran out after 20 minutes during their last fight, Knuckle says that he spent around 12,000 aura. He adds that Gon also used Jajanken four times, which caused his aura to spike and used up 5,500 in his first three attempts.

With Gon reaching the limit of his comprehension, Knuckle continues to give the details about his aura and finally arrives at the conclusion that Gon's maximum potential aura power is around 21,500. All the calculations make Gon dizzy, and Knuckle playfully comments on how mathematics must not be his best subject, but becomes serious again and gets to the important part of his explanation: when the borrowed aura (with interest) becomes greater than Gon's remaining potential aura power, he will go bankrupt. He tells Gon to look at A.P.R., and Gon is shocked to see that not only has the mascot itself increased in size, but the number is now at 1,586. Gon wonders how it could triple after only a few minutes, and Knuckle says that it's actually only been 120 seconds, going through the calculations and explaining how fast debt can add up.

A.P.R. announces another increase (going up to 1,745), and Knuckle reveals that even if Gon just stands there and does nothing, he will still go bankrupt in 4 minutes and 20 seconds. The interest increases to 1,920, and Gon asks what will happen then. Knuckle explains that A.P.R. will transform into I.R.S. ("Individual Ren Suppressor") and force Gon to stay in Zetsu for a period of 30 days, leaving him unable to use Nen.

GonVSKnuckle

Gon and Knuckle trading punches

Knuckle says that it's too late for any regrets, and Gon realizes that Knuckle didn't use his ability until now in order to help him grow, quietly thanking him for it. He quickly charges in, and the two exchange blows, with Knuckle explaining that Gon still took an aura loss and saying that until he pays back all the debt, he won't take any damage from Gon's attacks. A.P.R. increases to 2,356, and Knuckle eggs Gon on and said that he will go bankrupt in four minutes. The two exchange a series of furious strikes, but Knuckle says that Gon only repaid about 100 aura, which is only a drop in the bucket. He realizes that he can't let himself get hit by Gon's Jajanken, knowing that he will win once Gon's debt goes past 10,000. A.P.R. makes another announcement and increases to 2,717.

Elsewhere, Killua and Shoot stand opposite each other in a forest, both ready for their battle. Killua reminds himself not to fear Shoot and that he doesn't know his ability either. Shoot tells Killua that he doesn't like to hurt people, explaining to himself that his ability only activates when he inflicts damage and that he only uses it against people he doesn't mind hurting. Shoot removes his left sleeve and reveals that he has no left arm, but instead was keeping concealed three levitating, disembodied hands and a cage. He tells Killua that he and Gon showed him that sometimes one has to fight out of respect for another.

Characters in Order of Appearance[]

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