Ardon Waterman was born into a family whose livelihood had always been tied to the river. His grandfather, a fisherman known for his unwavering integrity, instilled in Ardon a deep respect for the natural world and its cycles. Growing up amidst the bustling energy of Hammer's market, Ardon witnessed firsthand the ebb and flow of fortune. He saw families thrive alongside those struggling to make ends meet, the stark contrast shaping his understanding of fairness and social responsibility. Driven by a desire to bridge the gap between prosperity and hardship, Ardon chose a path less traveled. He turned down lucrative offers from Hammer's burgeoning banks, opting instead to establish a small lending enterprise catering to local artisans and shopkeepers. His belief in empowering the community through access to fair credit guided his every decision. He meticulously assessed each borrower's potential, looking beyond their financial standing to recognize their inherent skills and determination. Ardon's reputation for honesty and compassion spread throughout Hammer, attracting not only borrowers but also mentors who recognized his innate leadership qualities. He became a trusted advisor to many, offering guidance on financial matters as well as life's challenges.