Scheming Loan-Lord

Put a debt counter on Scheming Loan-Lord: Add
one mana of any color. Spend this mana only to
cast spells without {x} in their mana costs.
{1}: Remove a debt counter from Scheming
Loan-Lord.
At the beginning of your end step, for each debt counter on Scheming Loan-Lord, you lose 25%
of your starting life total, rounded up.