When I said I wasn’t interested in installments, he told me to listen to him all the way through..... “Thank you for coming to our store. It’s right away, but various discount systems will be applied, so as a customer, it’s better to pay in installments than to pay in full.” A male salesclerk who appears to be around 30 years old frequently recommends installment payments. I wonder why this store hates lump sum payment. “In the case of payment in installments, you will have to pay the price over four years, but you can cancel when two years have passed, and in that case, you will be exempt from paying for the remaining two years.” I pretended to listen to him intently. Because I hate installments. Can tools create value? The concept as a kind of tool is useful, but its handling requires a certain amount of skill. Whether it is matter or concept, tools can only have the position of hardware. What makes a tool valuable is the software or s...