Picking up the bank card that Guo Cunrui sent from the delivery point, Lu Yu opened the packaging to find that the card was actually a green card from Winter Century Bank.

Winter Century Bank is an unofficial bank, targeted at wealthy individuals, and not just the average wealthy. Only those with over 100 million deposited can become members of Winter Century Bank.

This was information he had come across before, while researching for a novel he was writing.

Despite such a high service threshold, Winter Century Bank has branches worldwide for one reason only: it offers anonymous, untraceable bank cards.

Simply put, the account is linked to the card, not the person. With just the bank card and password, one can perform operations like withdrawing and transferring money, without leaving any trace of financial transactions.

This is very convenient for wealthy people who want to move funds discreetly.

The bank card Guo Cunrui sent to Lu Yu is an anonymous, untraceable card from Winter Century Bank.

After glancing around and ensuring Guo Cunrui hadn't arranged for someone to follow him, Lu Yu circled around a few times before heading home. With his skills, it's unlikely an ordinary person could tail him.

To be safe, Lu Yu still circled a few more times outside before returning to his residential complex.

Logging into the game, after handing Guo Cunrui seventy-five thousand in gold, he used the obtained bank card password to access Winter Century Bank's online platform, successfully logging in.

Seeing the long string of zeroes behind his personal balance, Lu Yu was at a loss for words.

A month ago, obtaining such a sum would have made him ecstatic, but now, money is just a series of numbers.

However, Lu Yu was about to turn it into more meaningful numbers.

Logging into Martial Realm, opening the game store, he clicked to recharge, obtaining 15 million Points.

Immediately buying 20 Ice Spirit Flowers for 600,000, after handing the remaining money to Guo Cunrui, Lu Yu rushed back to his residence to begin cultivating the Ice and Fire Seventh Heaven.

After fully absorbing the Ice Spiritual Qi from one Ice Spirit Flower, Lu Yu knew that 20 Ice Spirit Flowers were far from enough.

Unlike absorbing Fire Spiritual Qi, at that time, Lu Yu had no Spiritual Qi or Spiritual Power in his body, allowing him to easily absorb Fire Spiritual Qi by simply following the cultivation technique.

But when absorbing Ice Spiritual Qi, his body was already filled with a large amount of Fire Spiritual Qi, and his constitution had already transformed into a Fire Spirit Body. The Ice Spiritual Qi absorbed into his body was mostly refined by the Fire Spiritual Qi and Fire Spirit Body before it could take effect, leaving only ten percent effective Ice Spiritual Qi.

[Cultivation progress of Ice and Fire Seventh Heaven slightly improved, Ice Spirit Body cultivation progress +1%, Qi Blood +1]

The Ice Spiritual Qi absorbed into his body, under the effect of the Ice and Fire Seventh Heaven cultivation technique, molded with his Qi Blood into Lu Yu's flesh, mostly converted into Fire Spiritual Qi by the Fire Spirit Body, leaving only a small amount of Ice Spiritual Qi occupying a small piece of flesh, resisting the automatic transformation by the Fire Spirit Body.

Seeing the Ice Spiritual Qi barely absorbed being converted by the Fire Spirit Body, Lu Yu hurriedly took out more Ice Spirit Flowers to absorb, one in each hand, absorbing with both hands to speed up the process.

The conversion of Fire Spiritual Qi by the Fire Spirit Body is a passive ability, and Lu Yu couldn't control it, so he had to continuously absorb more Ice Spiritual Qi to resist the conversion, until an Ice Spirit Body was formed.

One Ice Spirit Flower after another was absorbed by Lu Yu and lost all its glow and fell to the ground, resembling withered, scattered blue hibiscus flowers.

The purchased 20+ Ice Spirit Flowers were quickly absorbed by Lu Yu, who hurriedly continued buying another 50 Ice Spirit Flowers.

With the massive absorption of Ice Spiritual Qi, Lu Yu's left arm began to exhibit abnormalities, with tiny droplets of water forming on his left sleeve, and the left arm noticeably cooler than the rest of his body.

As Lu Yu continued to absorb Ice Spiritual Qi, the anomaly caused by Ice Spiritual Qi gradually spread throughout his body, with large amounts of Ice Spiritual Qi filling his body, starting to contend with the Fire Spiritual Qi.

Under Lu Yu's deliberate suppression, the Fire Spiritual Qi was driven back, expelled from Lu Yu's body, leaving only the already-formed Fire Spirit Body continually converting the Ice Spiritual Qi and resisting its corrosion.

The first phase of converting into an Ice Spirit Body is to replace all Spiritual Qi in the body with Ice Spiritual Qi, and then suppress the Fire Spirit Body, gradually transforming the constitution into an Ice Spirit Body.

The most difficult part is suppressing the Fire Spirit Body to transform the constitution into an Ice Spirit Body.

If over-suppressed, the Fire Spirit Body will be eroded or even collapse by the Ice Spirit Body, undoing all progress. Moreover, once the Fire Spirit Body collapses, the process cannot be restarted, as the cultivation of Ice and Fire Seventh Heaven offers only one chance.

As the internal Ice Spiritual Qi increased, with the Fire Spiritual Qi suppressed and his constitution gradually transforming into an Ice Spirit Body, Lu Yu purchased his pre-selected treasure from the marketplace - Cold Spring Elixir.

Cold Spring is a mystical spring water, flowing out without freezing no matter its low temperature. Containing abundant Ice Spiritual Qi, it is a suitable treasure for Martial Cultivators in the Qi Cultivation stage who cultivate ice-attribute Spiritual Power.

Cold Spring Elixir is priced at 10,000 Points per 100 milliliters; Lu Yu directly purchased 100 million Points worth, totaling 10 liters of Cold Spring Elixir.

According to his calculations, he initially planned to spend eighty to ninety thousand gold on Cold Spring Elixir. Now with more funds, he bought extra, thinking they could be useful for future cultivation.

A jade bottle filled with Cold Spring Elixir appeared in Lu Yu's hand, and he started drinking it down, glug glug glug~

Even though Lu Yu was filled with Ice Spiritual Qi, upon swallowing the Cold Spring Elixir, he felt an intense chill, with a hint of the refreshing sensation of drinking ice-cold cola in the summer.

Compared to the slow absorption of Ice Spiritual Qi from one Ice Spirit Flower at a time, directly downing the Cold Spring Elixir was like opening the floodgates, with substantial amounts of Ice Spiritual Qi surging from the spring water, causing Ice Spiritual Qi to emanate from Lu Yu's body and frost forming in the room.

The Ice Spiritual Qi contained in the Cold Spring Elixir surpassed Lu Yu's expectations. After absorbing the Ice Spiritual Qi from just eight liters of Cold Spring Elixir, Lu Yu felt like the transformation into an Ice Spirit Body was about to complete.

A blue spiritual glow appeared on Lu Yu's surface, signaling the imminent formation of the Ice Spirit Body.

Compared to the transformation process of the Fire Spirit Body, the Ice Spirit Body transformation was a breeze; this is the advantage of wealth, or more accurately, the advantage of investing money.

Back then, Lu Yu almost got burned alive by the flames of the Fire Spirit King, but now, there was no such danger of death, although the Ice Jade pupil corresponding to the Fire Demon pupil showed no signs of activation.

The activation of the Fire Demon pupil was both coincidental and inevitable; if Lu Yu hadn't activated it back then, he would have been reduced to ashes in the flames.

Pushed by Lu Yu's willingness to spend anything necessary, the Ice Spirit Body transformation completed, enabling Lu Yu to absorb Spiritual Qi and convert it into Ice Spiritual Power.

Barely having time to rejoice, Lu Yu noticed his Fire Spirit Body was on the verge of collapsing due to being suppressed by the Ice Spirit Body, and he quickly put away the jade bottle and took out two Fire Spirit Fruits to absorb Fire Spiritual Qi.

Two, three, four... after absorbing five Fire Spirit Fruits, Lu Yu finally stabilized the suppressed Fire Spirit Body, strengthening it. Now Lu Yu's body continuously flickered with red and blue spiritual glows, left half blue, right half red.

Just as Lu Yu thought everything had settled, the revived Fire Spirit Body began to erode the Ice Spirit Body, attempting to reclaim the occupied half of the space.

Helpless, Lu Yu had to absorb more Ice Spiritual Qi to bolster the Ice Spirit Body.

Over and over, sometimes absorbing a bit of Fire Spiritual Qi, sometimes a bit of Ice Spiritual Qi... Lu Yu completed the Ice Spirit Body transformation in just a few hours, yet spent a sleepless night finding balance between the Ice Spirit Body and Fire Spirit Body.

The whole night was spent absorbing both Fire Spiritual Qi and Ice Spiritual Qi, maintaining the balance between the dual constitutions.

By the next morning, Lu Yu finally managed to find a balance point, maintaining equilibrium between the Ice Spirit Body and Fire Spirit Body, so long as he didn't mobilize the Spiritual Qi within, the balance would temporarily hold.

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