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Rain lashed against the pediatric clinic's windows as my 6-week-old son's fever spiked to 103°F. The fluorescent lights hummed with judgment while nurses exchanged glances at my trembling hands. "Probably just a virus," the doctor dismissed, but the primal terror choking my throat screamed otherwise. My husband was oceans away on business, and Google offered only apocalyptic WebMD scenarios. That's when my bloodstained thumb - bitten raw during the taxi ride - stumbled upon the turquoise icon wh

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That rainy Tuesday in Manchester still haunts me - standing at the till with a £8.99 umbrella while my bank charged £1.80 just for the privilege of keeping dry. I could almost hear the coins clinking into some banker's yacht fund. Foreign transaction fees became this predatory shadow following me through every business trip, turning simple purchases into financial betrayals. My wallet felt like it had sprung invisible leaks.

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