“I like your attitude, Mr. Madrigal. Magkakasundo tayo,” ani Calix. “You may cut the formality. Call me, Renzo.” While eating, Calix commented, “Hmm . . . this steak is superb. I should take my woman here next time.” “You should,” Renzo replied. After the main course, the waiter asked if they wanted a desert. “Two chocolate lava cake and coffee please,” he ordered. “So, let’s get down to business.” Calixto pulled a folder out of his messenger bag. “Like what you’ve said Renzo, let’s cut the chase. You see, your father Laurence Madrigal is indebted to Maskovich Finance Company and it’s about time na maningil ng utang. Sixteen years must be long enough for this overdue loan payment, right?” he explained. “How did you know about my father’s debt?” he asked. Bewildered on how this Cali