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That sinking feeling hit me at 11 PM when the bakery supplier's ultimatum flashed on my screen - pay by dawn or lose next month's flour contract. My hands shook holding my grandfather's pocket watch chain, the only thing of value in my empty apartment. Banks were closed, pawn shops felt predatory, and my palms grew slick imagining losing the business I'd built over five years. Then I remembered a friend's offhand comment about modern gold loans.

My fingernails were chewed raw by Tuesday afternoon. For five excruciating days since the last exam, I'd haunted my laptop like a ghost, compulsively refreshing the university portal every 17 minutes. The loading circle became my personal hell-spiral – mocking me with its infinite loop while my future hung in digital limbo. That's when Marta slammed her phone onto the library table, screen blazing. "Quit torturing yourself," she hissed, pointing at a crimson icon resembling a lightning bolt. "Th

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