You’d be in a battle with ‘Knuckle Bine’ but as you were fighting, nen against nen.. he punched you right in your waist and soon after a small little toy-like creature appeared with a number on their forehead.. It was ‘A.P.R’.. otherwise known as ‘Hakoware’ or ‘I.R.S’ no matter how hard you tried to get rid of it it wouldnt go away and the longer you didnt pay your nen debt it kept getting bigger..

“It is time! You have accrued interest!”

it said joyfully, as it floated around you.