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edit: if you don't know what that thing does here
Ominous Loan Note
"Immediately receive a large sum of gold! All gold gained, with interest, will go toward paying off this debt."
On pickup, the item gives the player 250 gold. Starting on the next floor, any gold you gain while you're in debt goes straight towards that loan of 250. The interest rate is 10% per level (So when you start a level, if you have a debt of 100 gold left, that increases to 110 gold)
from: https://minmax.gg/wizardoflegend