Hm. Yes, it could work. In fact, I believe it will. Excellent.
Kult: +10
Kull: +15
Total: 25
Ratio: 0.67
I am not lending you money, and your insults are childish at best, so I feel it a waste of time.
Kull: +5
Total: 5
You have done nothing of benefit to me, and I foresee it remaining that way.
Kull: +5
Total: 5